PEACH STATE
Charter #14676 · Lawrenceville, GA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 76,603 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.03% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.35% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 61st — a 53-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 | PEACH STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.11B | 8th pct | 61th pct |
| Members | 76,603 | 25th pct | 77th pct |
| Net worth ratio | 9.03% | 13th pct | 18th pct |
| Return on average assets | 0.78% | 56th pct | 66th pct |
| Net interest margin | 3.57% | 65th pct | 62th pct |
| Cost of funds | 1.21% | 26th pct | 33th pct |
| Loan-to-share | 73.78% | 21th pct | 25th pct |
| Delinquency 60+ days | 0.35% | 21th pct | 18th pct |
| Net charge-off ratio | 0.27% | 20th pct | 31th pct |
| Loan growth YoY | 1.32% | 43th pct | 49th pct |
| Share growth YoY | 1.96% | 18th pct | 18th pct |
| Efficiency ratio | 79.22% | 75th pct | 52th pct |
structural peer set hash: d71b7c8a2e6287d6b915c27d826367ab… (reproducible)
Closest structural peers
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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.