Georgia United
Duluth, GA · Charter 68607 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$2.5BAssets
$1.8BLoans
$2.1BShares
$272.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 67% of credit unions $1B-$10B in assets (rank 144 of 435).
- Widest gap: nonperforming loans / loans trails 66% of credit unions $1B-$10B in assets (rank 287 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.96%
Rank 156 of 435
Net Interest Margin
3.43%
Rank 206 of 435
Efficiency Ratio
68.11%
Rank 162 of 435
Equity / Assets
10.78%
Rank 228 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 64% | 156 / 435 | | |
| Return on Equity | 8.86% | 5.12% | 7.41% | 9.70% | Beats 67% | 144 / 435 | | |
| Net Interest Margin | 3.43% | 3.01% | 3.39% | 3.75% | Beats 53% | 206 / 435 | | |
| Efficiency Ratio | 68.11% | 65.25% | 71.39% | 77.86% | Beats 63% | 162 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.45% | 0.69% | 1.05% | Beats 34% | 287 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.78% | 9.81% | 10.84% | 12.63% | Beats 48% | 228 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.78% | 9.81% | 10.84% | 12.63% | Beats 48% | 228 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.52% | 78.33% | 88.38% | 95.61% | 39th pctl | 265 / 435 | | |
| Loans / Assets | 71.76% | 67.69% | 74.58% | 80.80% | 38th pctl | 269 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |