FLINT RIVER EMPLOYEES
Charter #23908 · Oglethorpe, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 367 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 36.91% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.24% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.44% ranks in the 10th 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 RIVER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.77M | 27th pct | 13th pct |
| Members | 367 | 32th pct | 20th pct |
| Net worth ratio | 36.91% | 92th pct | 82th pct |
| Return on average assets | 0.16% | 39th pct | 26th pct |
| Net interest margin | 7.24% | 97th pct | 92th pct |
| Cost of funds | 0.20% | 29th pct | 13th pct |
| Loan-to-share | 106.33% | 96th pct | 75th pct |
| Delinquency 60+ days | 0.11% | 31th pct | 31th pct |
| Net charge-off ratio | -0.44% | 7th pct | 10th pct |
| Loan growth YoY | -10.79% | 25th pct | 10th pct |
| Share growth YoY | -0.74% | 43th pct | 44th pct |
| Efficiency ratio | 144.61% | 93th pct | 98th pct |
structural peer set hash: e3d2e97ae6cdf813807df533992f7e1e… (reproducible)
Closest structural peers
This is the free public view
Claim FLINT RIVER EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.