Mygeorgia
Gainesville, GA · Charter 68602 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$258.5MAssets
$160.7MLoans
$225.2MShares
$28.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 67% of credit unions under $1B in assets (rank 549 of 1681).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1150 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.85%
Rank 730 of 1,683
Net Interest Margin
3.96%
Rank 698 of 1,683
Efficiency Ratio
75.88%
Rank 719 of 1,682
Equity / Assets
11.02%
Rank 1,150 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.35% | 0.74% | 1.18% | Beats 57% | 730 / 1,683 | |
| Return on Equity | 7.73% | 2.67% | 5.89% | 8.74% | Beats 67% | 549 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 59% | 698 / 1,683 | |
| Efficiency Ratio | 75.88% | 68.91% | 78.20% | 86.93% | Beats 57% | 719 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 729 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,150 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,150 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 71.36% | 52.61% | 69.38% | 83.50% | 54th pctl | 779 / 1,683 | |
| Loans / Assets | 62.19% | 44.71% | 59.18% | 70.72% | 57th pctl | 723 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |