GARLAND COUNTY EDUCATORS
Charter #18814 · HOT SPRINGS, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.91% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 9.98% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.11% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 28th — a 34-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 | GARLAND COUNTY EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.24M | 62th pct | 28th pct |
| Members | 730 | 64th pct | 31th pct |
| Net worth ratio | 17.47% | 49th pct | 62th pct |
| Return on average assets | 0.02% | 33th pct | 38th pct |
| Net interest margin | 5.91% | 90th pct | 85th pct |
| Cost of funds | 1.66% | 82th pct | 72th pct |
| Loan-to-share | 70.03% | 64th pct | 33th pct |
| Delinquency 60+ days | 1.95% | 67th pct | 70th pct |
| Net charge-off ratio | 9.98% | 98th pct | 98th pct |
| Loan growth YoY | -7.10% | 39th pct | 31th pct |
| Share growth YoY | -3.61% | 24th pct | 15th pct |
| Efficiency ratio | 63.11% | 19th pct | 8th pct |
structural peer set hash: f1f0fefeeb9347dbcf15682e46fcef41… (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.