LOCOGA
Charter #13516 · Valdosta, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.13% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.35% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.16% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 31st — a 23-point gap showing why the peer definition matters.
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 | LOCOGA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.40M | 54th pct | 31th pct |
| Members | 662 | 56th pct | 38th pct |
| Net worth ratio | 7.13% | 4th pct | 8th pct |
| Return on average assets | 0.23% | 43th pct | 59th pct |
| Net interest margin | 4.21% | 55th pct | 43th pct |
| Cost of funds | 0.35% | 42th pct | 25th pct |
| Loan-to-share | 65.80% | 59th pct | 38th pct |
| Delinquency 60+ days | 1.34% | 59th pct | 61th pct |
| Net charge-off ratio | -0.16% | 11th pct | 7th pct |
| Loan growth YoY | 0.23% | 76th pct | 75th pct |
| Share growth YoY | -0.64% | 44th pct | 39th pct |
| Efficiency ratio | 95.13% | 64th pct | 56th pct |
structural peer set hash: 5533cf22aa8e6879e46435e44c6a17f3… (reproducible)
Closest structural peers
This is the free public view
Claim LOCOGA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.