SAVANNAH SCHOOLS
Charter #9408 · SAVANNAH, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.18% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.89% sits at the 92nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 33rd — 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 | SAVANNAH SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.94M | 92th pct | 77th pct |
| Members | 4,097 | 92th pct | 74th pct |
| Net worth ratio | 11.31% | 29th pct | 34th pct |
| Return on average assets | 0.25% | 29th pct | 30th pct |
| Net interest margin | 3.54% | 36th pct | 39th pct |
| Cost of funds | 0.18% | 12th pct | 20th pct |
| Loan-to-share | 33.53% | 13th pct | 33th pct |
| Delinquency 60+ days | 0.91% | 65th pct | 74th pct |
| Net charge-off ratio | 1.89% | 94th pct | 92th pct |
| Loan growth YoY | -0.83% | 63th pct | 75th pct |
| Share growth YoY | 1.54% | 40th pct | 43th pct |
| Efficiency ratio | 92.98% | 78th pct | 74th pct |
structural peer set hash: d6437c90e5351fe44e949e10e9ae674b… (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.