GEORGIA HERITAGE
Charter #3800 · SAVANNAH, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.33% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.33% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.71% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 56th — a 21-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 | GEORGIA HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $158.69M | 35th pct | 56th pct |
| Members | 15,224 | 60th pct | 64th pct |
| Net worth ratio | 10.57% | 36th pct | 33th pct |
| Return on average assets | 0.33% | 24th pct | 20th pct |
| Net interest margin | 3.67% | 51th pct | 33th pct |
| Cost of funds | 1.24% | 52th pct | 48th pct |
| Loan-to-share | 72.51% | 51th pct | 48th pct |
| Delinquency 60+ days | 0.33% | 25th pct | 23th pct |
| Net charge-off ratio | 0.40% | 54th pct | 41th pct |
| Loan growth YoY | -5.73% | 4th pct | 5th pct |
| Share growth YoY | 2.79% | 40th pct | 36th pct |
| Efficiency ratio | 93.71% | 92th pct | 95th pct |
structural peer set hash: 686a30b864424a436a9a20a2e00e2fa6… (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.