Georgia Guard
Macon, GA · Charter 68291 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
$3.4MAssets
$2.4MLoans
$3.2MShares
$177KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 28 of 1676).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets (rank 1673 of 1674).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-21.04%
Rank 1,672 of 1,677
Net Interest Margin
6.35%
Rank 28 of 1,676
Efficiency Ratio
178.57%
Rank 1,659 of 1,674
Equity / Assets
5.20%
Rank 1,666 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -21.04% | 0.29% | 0.71% | 1.15% | Beats 0% | 1,672 / 1,677 | | |
| Return on Equity | -405% | 2.30% | 5.46% | 8.75% | Beats 0% | 1,673 / 1,674 | | |
| Net Interest Margin | 6.35% | 3.27% | 3.78% | 4.29% | Beats 98% | 28 / 1,676 | | |
| Efficiency Ratio | 178.57% | 69.04% | 78.86% | 87.73% | Beats 1% | 1,659 / 1,674 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.75% | 0.23% | 0.59% | 1.15% | Beats 1% | 1,652 / 1,675 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.20% | 10.32% | 12.68% | 16.26% | Beats 1% | 1,667 / 1,677 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.20% | 10.32% | 12.68% | 16.26% | Beats 1% | 1,666 / 1,676 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.29% | 52.64% | 68.65% | 82.42% | 58th pctl | 700 / 1,676 | | |
| Loans / Assets | 69.41% | 44.39% | 58.63% | 70.08% | 74th pctl | 441 / 1,676 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |