GEORGIA UNITED
Charter #68607 · DULUTH, GA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.99% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.07% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.31% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.50B | 55th pct | 62th pct |
| Members | 159,562 | 62th pct | 67th pct |
| Net worth ratio | 11.03% | 57th pct | 64th pct |
| Return on average assets | 0.99% | 72th pct | 84th pct |
| Net interest margin | 3.44% | 56th pct | 48th pct |
| Cost of funds | 2.07% | 65th pct | 79th pct |
| Loan-to-share | 82.81% | 39th pct | 41th pct |
| Delinquency 60+ days | 0.85% | 72th pct | 74th pct |
| Net charge-off ratio | 0.71% | 67th pct | 62th pct |
| Loan growth YoY | 1.76% | 50th pct | 54th pct |
| Share growth YoY | 6.72% | 80th pct | 89th pct |
| Efficiency ratio | 67.31% | 30th pct | 16th pct |
structural peer set hash: d692def6c2527f54fbb31f44ce2799f2… (reproducible)
Closest structural peers
This is the free public view
Claim GEORGIA UNITED
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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.