PLATINUM
Charter #24631 · Duluth, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.44% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.09% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.75% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.28% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.60% sits at the 82nd 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 | PLATINUM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $389.93M | 88th pct | 69th pct |
| Members | 13,839 | 53th pct | 33th pct |
| Net worth ratio | 10.37% | 32th pct | 38th pct |
| Return on average assets | 1.44% | 87th pct | 84th pct |
| Net interest margin | 3.09% | 18th pct | 20th pct |
| Cost of funds | 1.75% | 79th pct | 75th pct |
| Loan-to-share | 73.69% | 53th pct | 39th pct |
| Delinquency 60+ days | 0.28% | 21th pct | 18th pct |
| Net charge-off ratio | 0.60% | 72th pct | 82th pct |
| Loan growth YoY | 6.25% | 92th pct | 79th pct |
| Share growth YoY | 11.44% | 98th pct | 93th pct |
| Efficiency ratio | 58.08% | 6th pct | 7th pct |
structural peer set hash: 185612ad1006b881702cff6594dec652… (reproducible)
Closest structural peers
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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.