GEORGIA GUARD
Charter #68291 · MACON, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 5.20% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -20.01% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 6.06% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 7.76% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.54% sits at the 92nd 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 GUARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.40M | 45th pct | 30th pct |
| Members | 717 | 63th pct | 52th pct |
| Net worth ratio | 5.20% | 2th pct | 2th pct |
| Return on average assets | -20.01% | 1th pct | 0th pct |
| Net interest margin | 6.06% | 91th pct | 95th pct |
| Cost of funds | 0.60% | 54th pct | 39th pct |
| Loan-to-share | 73.27% | 68th pct | 56th pct |
| Delinquency 60+ days | 7.76% | 92th pct | 95th pct |
| Net charge-off ratio | 1.54% | 89th pct | 92th pct |
| Loan growth YoY | -5.40% | 50th pct | 30th pct |
| Share growth YoY | 1.73% | 63th pct | 72th pct |
| Efficiency ratio | 179.09% | 95th pct | 92th pct |
structural peer set hash: e6c88c57c1307373b9252a89d934d3c4… (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.