SAVANNAH POSTAL
Charter #67364 · Savannah, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,047 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 5.44% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.21% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.75% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 25th — a 23-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 | SAVANNAH POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.76M | 48th pct | 36th pct |
| Members | 2,047 | 47th pct | 25th pct |
| Net worth ratio | 14.89% | 59th pct | 64th pct |
| Return on average assets | 0.51% | 42th pct | 38th pct |
| Net interest margin | 5.44% | 97th pct | 98th pct |
| Cost of funds | 0.21% | 15th pct | 16th pct |
| Loan-to-share | 61.01% | 56th pct | 54th pct |
| Delinquency 60+ days | 1.75% | 82th pct | 84th pct |
| Net charge-off ratio | 0.53% | 72th pct | 61th pct |
| Loan growth YoY | -2.76% | 47th pct | 43th pct |
| Share growth YoY | 4.76% | 72th pct | 74th pct |
| Efficiency ratio | 74.63% | 37th pct | 34th pct |
structural peer set hash: 4cb0be66c8b94f4b3d366949cc1d455f… (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.