STEPHENS COUNTY COMMUNITY
Charter #20890 · TOCCOA, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.72% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.09% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 49.01% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th 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 | STEPHENS COUNTY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 152,316 | 2th pct | 16th pct |
| Members | 114 | 6th pct | 28th pct |
| Net worth ratio | 12.72% | 26th pct | 25th pct |
| Return on average assets | 1.53% | 84th pct | 74th pct |
| Net interest margin | 2.09% | 8th pct | 15th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 17.34% | 9th pct | 51th pct |
| Delinquency 60+ days | 49.01% | 100th pct | 93th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -9.96% | 28th pct | 47th pct |
| Share growth YoY | -0.73% | 43th pct | 54th pct |
| Efficiency ratio | 35.04% | 4th pct | 8th pct |
structural peer set hash: 67b9c705ee0bba3cb4124c75c0876a9c… (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.