WALKER COUNTY EDUCATORS
Charter #20610 · Chickamauga, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.00% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 46th — a 25-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 | WALKER COUNTY EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.94M | 21th pct | 46th pct |
| Members | 1,392 | 21th pct | 36th pct |
| Net worth ratio | 25.00% | 94th pct | 85th pct |
| Return on average assets | 0.86% | 61th pct | 41th pct |
| Net interest margin | 3.91% | 53th pct | 30th pct |
| Cost of funds | 1.49% | 78th pct | 67th pct |
| Loan-to-share | 70.82% | 71th pct | 51th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 16th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | -4.38% | 34th pct | 36th pct |
| Share growth YoY | 6.23% | 82th pct | 74th pct |
| Efficiency ratio | 79.04% | 47th pct | 62th pct |
structural peer set hash: 35aede034f7b73b7977d5b553aa8aa7e… (reproducible)
Closest structural peers
This is the free public view
Claim WALKER COUNTY EDUCATORS
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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.