MYGEORGIA
Charter #68602 · Gainesville, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.83% sits at the 80th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 51st — a 20-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 | MYGEORGIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $256.47M | 65th pct | 66th pct |
| Members | 20,581 | 78th pct | 67th pct |
| Net worth ratio | 10.89% | 41th pct | 38th pct |
| Return on average assets | 0.88% | 63th pct | 57th pct |
| Net interest margin | 4.00% | 71th pct | 51th pct |
| Cost of funds | 1.83% | 81th pct | 80th pct |
| Loan-to-share | 69.82% | 46th pct | 39th pct |
| Delinquency 60+ days | 0.62% | 51th pct | 49th pct |
| Net charge-off ratio | 0.50% | 65th pct | 46th pct |
| Loan growth YoY | 2.39% | 70th pct | 70th pct |
| Share growth YoY | 6.93% | 87th pct | 74th pct |
| Efficiency ratio | 77.38% | 45th pct | 51th pct |
structural peer set hash: 510a789cc44c04b6f66ec9125daf774d… (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.