The Wright
Toccoa, GA · Charter 67564 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$16.2MAssets
$11.1MLoans
$13.4MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 39 of 1683).
- Widest gap: efficiency ratio trails 68% of credit unions under $1B in assets (rank 1140 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.70%
Rank 875 of 1,683
Net Interest Margin
6.04%
Rank 39 of 1,683
Efficiency Ratio
83.99%
Rank 1,140 of 1,682
Equity / Assets
17.27%
Rank 376 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.35% | 0.74% | 1.18% | Beats 48% | 875 / 1,683 | |
| Return on Equity | 4.08% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,079 / 1,681 | |
| Net Interest Margin | 6.04% | 3.31% | 3.82% | 4.32% | Beats 98% | 39 / 1,683 | |
| Efficiency Ratio | 83.99% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,140 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 453 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.27% | 10.44% | 12.89% | 16.53% | Beats 78% | 376 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.27% | 10.44% | 12.89% | 16.53% | Beats 78% | 376 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 82.38% | 52.61% | 69.38% | 83.50% | 74th pctl | 441 / 1,683 | |
| Loans / Assets | 68.47% | 44.71% | 59.18% | 70.72% | 70th pctl | 499 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |