Georgia's Own
Atlanta, GA · Charter 67390 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 30 branches
Q2 2026
$4.2BAssets
$3.2BLoans
$3.6BShares
$421.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 60% of credit unions $1B-$10B in assets (rank 176 of 435).
- Widest gap: return on equity trails 100% of credit unions $1B-$10B in assets (rank 433 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-1.12%
Rank 433 of 435
Net Interest Margin
3.40%
Rank 215 of 435
Efficiency Ratio
68.79%
Rank 176 of 435
Equity / Assets
9.99%
Rank 305 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.12% | 0.55% | 0.81% | 1.14% | Beats 0% | 433 / 435 | |
| Return on Equity | -11.20% | 5.12% | 7.41% | 9.70% | Beats 0% | 433 / 435 | |
| Net Interest Margin | 3.40% | 3.01% | 3.39% | 3.75% | Beats 51% | 215 / 435 | |
| Efficiency Ratio | 68.79% | 65.25% | 71.39% | 77.86% | Beats 60% | 176 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.45% | 0.69% | 1.05% | Beats 20% | 347 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.99% | 9.81% | 10.84% | 12.63% | Beats 30% | 305 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.99% | 9.81% | 10.84% | 12.63% | Beats 30% | 305 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 88.25% | 78.33% | 88.38% | 95.61% | 50th pctl | 219 / 435 | |
| Loans / Assets | 75.05% | 67.69% | 74.58% | 80.80% | 52nd pctl | 210 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |