B.O.N.D. COMMUNITY
Charter #20974 · Atlanta, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.97% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.36% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.30% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.72% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 4.30% sits at the 98th percentile of structural peers — worth a closer look.
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 | B.O.N.D. COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.14M | 90th pct | 36th pct |
| Members | 3,803 | 88th pct | 43th pct |
| Net worth ratio | 11.23% | 28th pct | 39th pct |
| Return on average assets | -1.97% | 3th pct | 3th pct |
| Net interest margin | 5.36% | 96th pct | 92th pct |
| Cost of funds | 0.30% | 20th pct | 15th pct |
| Loan-to-share | 92.60% | 96th pct | 80th pct |
| Delinquency 60+ days | 1.72% | 82th pct | 77th pct |
| Net charge-off ratio | 4.30% | 99th pct | 98th pct |
| Loan growth YoY | -1.00% | 62th pct | 52th pct |
| Share growth YoY | -1.84% | 13th pct | 11th pct |
| Efficiency ratio | 90.86% | 75th pct | 84th pct |
structural peer set hash: a9dafd33d46aaef40a5f2578639c47a5… (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.