CGR
Macon, GA · Charter 67367 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$120.0MAssets
$46.7MLoans
$90.0MShares
$26.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 92 of 1683).
- Widest gap: net interest margin trails 43% of credit unions under $1B in assets (rank 716 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.91%
Rank 92 of 1,683
Net Interest Margin
3.94%
Rank 716 of 1,683
Efficiency Ratio
71.34%
Rank 510 of 1,682
Equity / Assets
22.20%
Rank 156 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.91% | 0.35% | 0.74% | 1.18% | Beats 95% | 92 / 1,683 | | |
| Return on Equity | 8.62% | 2.67% | 5.89% | 8.74% | Beats 74% | 438 / 1,681 | | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 716 / 1,683 | | |
| Efficiency Ratio | 71.34% | 68.91% | 78.20% | 86.93% | Beats 70% | 510 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.65% | 1.29% | Beats 58% | 706 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.20% | 10.44% | 12.89% | 16.53% | Beats 91% | 156 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.20% | 10.44% | 12.89% | 16.53% | Beats 91% | 156 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.91% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,282 / 1,683 | | |
| Loans / Assets | 38.94% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,395 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |