GEORGIA'S OWN
Charter #67390 · Atlanta, GA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 242,144 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.37% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.87% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.69% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.44% sits at the 98th 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 | GEORGIA'S OWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.33B | 76th pct | 72th pct |
| Members | 242,144 | 78th pct | 75th pct |
| Net worth ratio | 10.28% | 38th pct | 39th pct |
| Return on average assets | -0.37% | 0th pct | 0th pct |
| Net interest margin | 3.23% | 43th pct | 49th pct |
| Cost of funds | 0.87% | 18th pct | 16th pct |
| Loan-to-share | 86.69% | 50th pct | 43th pct |
| Delinquency 60+ days | 1.69% | 95th pct | 93th pct |
| Net charge-off ratio | 3.44% | 100th pct | 98th pct |
| Loan growth YoY | -0.96% | 15th pct | 18th pct |
| Share growth YoY | 1.22% | 12th pct | 16th pct |
| Efficiency ratio | 67.82% | 33th pct | 30th pct |
structural peer set hash: c02aa3bc716f06e3d5d259113100b3dc… (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.