COMBINED EMPLOYEES
Charter #60825 · WARNER ROBINS, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.43% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 5.41% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 70th — a 18-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 | COMBINED EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.96M | 31th pct | 44th pct |
| Members | 2,685 | 67th pct | 57th pct |
| Net worth ratio | 8.43% | 7th pct | 16th pct |
| Return on average assets | 0.89% | 63th pct | 72th pct |
| Net interest margin | 5.41% | 97th pct | 87th pct |
| Cost of funds | 1.78% | 85th pct | 69th pct |
| Loan-to-share | 84.10% | 88th pct | 70th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 3th pct |
| Net charge-off ratio | -0.01% | 20th pct | 16th pct |
| Loan growth YoY | -1.71% | 55th pct | 43th pct |
| Share growth YoY | 2.25% | 47th pct | 39th pct |
| Efficiency ratio | 82.39% | 55th pct | 54th pct |
structural peer set hash: 39b15dfceacf429d3a9a51ce37592fe9… (reproducible)
Closest structural peers
This is the free public view
Claim COMBINED 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.