FLINT
Charter #16085 · Reynolds, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.77% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.53% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | FLINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.94M | 40th pct | 26th pct |
| Members | 600 | 51th pct | 39th pct |
| Net worth ratio | 28.86% | 83th pct | 72th pct |
| Return on average assets | 1.77% | 88th pct | 89th pct |
| Net interest margin | 4.47% | 63th pct | 54th pct |
| Cost of funds | 0.50% | 51th pct | 49th pct |
| Loan-to-share | 54.78% | 46th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -6.00% | 46th pct | 59th pct |
| Share growth YoY | -3.00% | 27th pct | 23th pct |
| Efficiency ratio | 62.53% | 18th pct | 15th pct |
structural peer set hash: f4fb9e5c0d60b67494c8f0bb883fd8f9… (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.