GEORGIA POWER VALDOSTA
Charter #12291 · Valdosta, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.60% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GEORGIA POWER VALDOSTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.95M | 44th pct | 52th pct |
| Members | 2,758 | 69th pct | 69th pct |
| Net worth ratio | 15.04% | 60th pct | 49th pct |
| Return on average assets | 1.16% | 74th pct | 72th pct |
| Net interest margin | 4.38% | 74th pct | 66th pct |
| Cost of funds | 1.34% | 72th pct | 72th pct |
| Loan-to-share | 65.59% | 63th pct | 49th pct |
| Delinquency 60+ days | 0.65% | 53th pct | 46th pct |
| Net charge-off ratio | 0.60% | 75th pct | 82th pct |
| Loan growth YoY | 0.62% | 75th pct | 77th pct |
| Share growth YoY | 0.17% | 28th pct | 18th pct |
| Efficiency ratio | 78.11% | 44th pct | 43th pct |
structural peer set hash: 0041d15294479f60fd00d663386519e6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.