HARRIS EMPLOYEES
Charter #67563 · Cordele, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 182 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 33.65% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.36% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -2.54% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.47% sits at the 77th 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 | HARRIS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 648,392 | 12th pct | 11th pct |
| Members | 182 | 12th pct | 10th pct |
| Net worth ratio | 33.65% | 89th pct | 75th pct |
| Return on average assets | -0.33% | 26th pct | 30th pct |
| Net interest margin | 6.36% | 93th pct | 89th pct |
| Cost of funds | 0.94% | 63th pct | 66th pct |
| Loan-to-share | 70.97% | 66th pct | 48th pct |
| Delinquency 60+ days | 0.25% | 35th pct | 28th pct |
| Net charge-off ratio | -2.54% | 1th pct | 0th pct |
| Loan growth YoY | -15.66% | 12th pct | 8th pct |
| Share growth YoY | -18.46% | 2th pct | 0th pct |
| Efficiency ratio | 104.47% | 77th pct | 77th pct |
structural peer set hash: 6bfce6290304f997a8ab3965490be31e… (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.