North Georgia
Toccoa, GA · Charter 67395 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$121.7MAssets
$89.3MLoans
$105.9MShares
$13.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 355 of 1683).
- Widest gap: efficiency ratio trails 77% of credit unions under $1B in assets (rank 1292 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.58%
Rank 1,045 of 1,683
Net Interest Margin
4.44%
Rank 355 of 1,683
Efficiency Ratio
87.64%
Rank 1,292 of 1,682
Equity / Assets
11.15%
Rank 1,119 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,045 / 1,683 | | |
| Return on Equity | 5.17% | 2.67% | 5.89% | 8.74% | Beats 44% | 945 / 1,681 | | |
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 355 / 1,683 | | |
| Efficiency Ratio | 87.64% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,292 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 556 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.15% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,119 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.15% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,119 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.24% | 52.61% | 69.38% | 83.50% | 76th pctl | 397 / 1,683 | | |
| Loans / Assets | 73.31% | 44.71% | 59.18% | 70.72% | 81st pctl | 328 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |