WARE COUNTY SCHOOL EMPLOYEES
Charter #15265 · WAYCROSS, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.20% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.07% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.01% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.24% sits at the 79th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 39th — a 30-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 | WARE COUNTY SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.42M | 74th pct | 44th pct |
| Members | 803 | 70th pct | 39th pct |
| Net worth ratio | 13.48% | 29th pct | 33th pct |
| Return on average assets | 0.91% | 68th pct | 59th pct |
| Net interest margin | 3.20% | 25th pct | 11th pct |
| Cost of funds | 2.07% | 89th pct | 77th pct |
| Loan-to-share | 82.45% | 80th pct | 57th pct |
| Delinquency 60+ days | 0.01% | 28th pct | 20th pct |
| Net charge-off ratio | 0.24% | 78th pct | 79th pct |
| Loan growth YoY | 3.32% | 85th pct | 84th pct |
| Share growth YoY | 1.67% | 62th pct | 43th pct |
| Efficiency ratio | 73.60% | 29th pct | 33th pct |
structural peer set hash: 38c1fe049621b48735cab794838b7242… (reproducible)
Closest structural peers
This is the free public view
Claim WARE COUNTY SCHOOL EMPLOYEES
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.