Combined Employees
Warner Robins, GA · Charter 60825 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$18.3MAssets
$13.5MLoans
$16.6MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 105 of 1683).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1587 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.69%
Rank 900 of 1,683
Net Interest Margin
5.25%
Rank 105 of 1,683
Efficiency Ratio
81.93%
Rank 1,032 of 1,682
Equity / Assets
8.39%
Rank 1,587 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 900 / 1,683 | |
| Return on Equity | 8.20% | 2.67% | 5.89% | 8.74% | Beats 71% | 490 / 1,681 | |
| Net Interest Margin | 5.25% | 3.31% | 3.82% | 4.32% | Beats 94% | 105 / 1,683 | |
| Efficiency Ratio | 81.93% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,032 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 183 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.39% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,587 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.39% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,587 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 81.08% | 52.61% | 69.38% | 83.50% | 71st pctl | 484 / 1,683 | |
| Loans / Assets | 73.50% | 44.71% | 59.18% | 70.72% | 81st pctl | 323 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |