Georgia Heritage
Savannah, GA · Charter 3800 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$162.7MAssets
$110.5MLoans
$143.5MShares
$16.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets (rank 514 of 1682).
- Widest gap: efficiency ratio trails 88% of credit unions under $1B in assets (rank 1489 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.30%
Rank 1,312 of 1,683
Net Interest Margin
3.52%
Rank 1,102 of 1,683
Efficiency Ratio
94.13%
Rank 1,489 of 1,682
Equity / Assets
10.38%
Rank 1,270 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,312 / 1,683 | |
| Return on Equity | 2.87% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,231 / 1,681 | |
| Net Interest Margin | 3.52% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,102 / 1,683 | |
| Efficiency Ratio | 94.13% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,489 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 514 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,270 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.38% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,270 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.01% | 52.61% | 69.38% | 83.50% | 64th pctl | 604 / 1,683 | |
| Loans / Assets | 67.94% | 44.71% | 59.18% | 70.72% | 69th pctl | 522 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |