F A B CHURCH
Charter #9527 · Savannah, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.31% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -3.27% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 64th — a 37-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 | F A B CHURCH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 446,455 | 9th pct | 44th pct |
| Members | 273 | 23th pct | 59th pct |
| Net worth ratio | 15.94% | 43th pct | 44th pct |
| Return on average assets | 0.60% | 57th pct | 48th pct |
| Net interest margin | 4.31% | 58th pct | 80th pct |
| Cost of funds | 0.18% | 27th pct | 64th pct |
| Loan-to-share | 7.29% | 4th pct | 23th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -3.27% | 1th pct | 3th pct |
| Loan growth YoY | -18.21% | 8th pct | 27th pct |
| Share growth YoY | 8.18% | 90th pct | 89th pct |
| Efficiency ratio | 91.41% | 58th pct | 62th pct |
structural peer set hash: 6d292521946ad16214ba77c6a700a011… (reproducible)
Closest structural peers
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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.