Harris Employees
Cordele, GA · Charter 67563 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$626KAssets
$268KLoans
$389KShares
$214KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 37 of 1683).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1643 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.28%
Rank 1,627 of 1,683
Net Interest Margin
6.07%
Rank 37 of 1,683
Efficiency Ratio
121.74%
Rank 1,643 of 1,682
Equity / Assets
34.19%
Rank 29 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.28% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,627 / 1,683 | |
| Return on Equity | -3.74% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,580 / 1,681 | |
| Net Interest Margin | 6.07% | 3.31% | 3.82% | 4.32% | Beats 98% | 37 / 1,683 | |
| Efficiency Ratio | 121.74% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,643 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.10% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,605 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 34.19% | 10.44% | 12.89% | 16.53% | Beats 98% | 29 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 34.19% | 10.44% | 12.89% | 16.53% | Beats 98% | 29 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 68.89% | 52.61% | 69.38% | 83.50% | 49th pctl | 855 / 1,683 | |
| Loans / Assets | 42.81% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,306 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |