Workmen's Circle Incorporated
Savannah, GA · Charter 67892 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$135.0MAssets
$108.5MLoans
$106.6MShares
$28.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets (rank 4 of 1682).
- Widest gap: net interest margin trails 85% of credit unions under $1B in assets (rank 1434 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.25%
Rank 50 of 1,683
Net Interest Margin
3.03%
Rank 1,434 of 1,683
Efficiency Ratio
28.08%
Rank 4 of 1,682
Equity / Assets
20.83%
Rank 192 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.25% | 0.35% | 0.74% | 1.18% | Beats 97% | 50 / 1,683 | | |
| Return on Equity | 10.81% | 2.67% | 5.89% | 8.74% | Beats 87% | 216 / 1,681 | | |
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,434 / 1,683 | | |
| Efficiency Ratio | 28.08% | 68.91% | 78.20% | 86.93% | Beats 100% | 4 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.83% | 10.44% | 12.89% | 16.53% | Beats 89% | 192 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.83% | 10.44% | 12.89% | 16.53% | Beats 89% | 192 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.83% | 52.61% | 69.38% | 83.50% | 97th pctl | 47 / 1,683 | | |
| Loans / Assets | 80.43% | 44.71% | 59.18% | 70.72% | 92nd pctl | 129 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |