NORTH GEORGIA
Charter #67395 · Toccoa, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.59% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.41% sits at the 84th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 54th — a 29-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 | NORTH GEORGIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $116.47M | 11th pct | 7th pct |
| Members | 11,638 | 42th pct | 59th pct |
| Net worth ratio | 11.46% | 50th pct | 57th pct |
| Return on average assets | 0.41% | 30th pct | 28th pct |
| Net interest margin | 4.59% | 91th pct | 89th pct |
| Cost of funds | 0.11% | 7th pct | 5th pct |
| Loan-to-share | 86.91% | 83th pct | 54th pct |
| Delinquency 60+ days | 0.46% | 38th pct | 39th pct |
| Net charge-off ratio | 0.16% | 25th pct | 41th pct |
| Loan growth YoY | 1.51% | 62th pct | 54th pct |
| Share growth YoY | 2.99% | 43th pct | 48th pct |
| Efficiency ratio | 90.41% | 86th pct | 84th pct |
structural peer set hash: 1b70b65f1ace4675b321307be9346ffe… (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.