No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $256.5M | $222.9M | $155.6M | $27.9M | $550K | 0.86% | 3.90% | 0.62% | 20,581 |
| Q4 2025 | $243.4M | $211.6M | $154.7M | $27.5M | $2.8M | 1.15% | 4.10% | 0.69% | 20,399 |
| Q3 2025 | $239.4M | $208.4M | $152.0M | $26.8M | $2.2M | 1.20% | 4.14% | 0.65% | 20,307 |
| Q2 2025 | $234.6M | $203.5M | $149.0M | $26.1M | $1.4M | 1.16% | 4.16% | 0.77% | 20,128 |
| Q1 2025 | $228.9M | $198.8M | $144.5M | $25.4M | $692K | 1.21% | 4.19% | 0.56% | 19,836 |
| Q4 2024 | $217.2M | $189.1M | $140.9M | $24.8M | $2.8M | 1.29% | 4.32% | 0.75% | 19,469 |
| Q3 2024 | $214.1M | $186.4M | $138.9M | $24.0M | $1.9M | 1.20% | 4.34% | 0.60% | 20,008 |
| Q2 2024 | $215.0M | $187.3M | $134.7M | $23.4M | $1.4M | 1.30% | 4.25% |
| Ratio | MyGeorgia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 19,980 |
Loan mix (Q1 2026): real estate $28.4M · commercial $6.3M · consumer $117.1M · securities $72.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.7% | 45th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | MyGeorgia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | MyGeorgia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | MyGeorgia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | MyGeorgia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.