CGR
Charter #67367 · Macon, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.79% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.86% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 64th — a 51-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 | CGR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $119.49M | 13th pct | 64th pct |
| Members | 11,245 | 39th pct | 67th pct |
| Net worth ratio | 21.79% | 98th pct | 87th pct |
| Return on average assets | 1.86% | 95th pct | 79th pct |
| Net interest margin | 3.93% | 68th pct | 51th pct |
| Cost of funds | 0.28% | 12th pct | 26th pct |
| Loan-to-share | 50.80% | 13th pct | 28th pct |
| Delinquency 60+ days | 0.32% | 24th pct | 33th pct |
| Net charge-off ratio | 0.39% | 53th pct | 59th pct |
| Loan growth YoY | -0.17% | 46th pct | 66th pct |
| Share growth YoY | 4.39% | 63th pct | 57th pct |
| Efficiency ratio | 71.62% | 27th pct | 41th pct |
structural peer set hash: bb969600ecc3511b266befab88b243ba… (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.