PEACH STATE

Charter #14676 | GA

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in GA

PEACH STATE has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.2% in tier
  • + Relationship Depth Leader: Top 12.6% in tier
  • + Emerging Performer: Top 18.2% in tier
  • + ROA 0.12% above tier average
  • + Net Interest Margin 0.08% above tier average
  • + First Mortgage Concentration (%): Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 20.5% in tier
  • - Credit Quality Pressure: Bottom 26.3% in tier
  • - Efficiency ratio 5.32% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 7.9% in tier
  • - Total Loans: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 77,916
-0.0% YoY-0.1% QoQ
 -20.8K 98,678
-1.9% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $1.1B
+6.1% YoY-0.1% QoQ
 $-630.4M $1.7B
+0.5% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Bottom 10.2% in tier
Loans $732.5M
+9.9% YoY+4.0% QoQ
 $-500.6M $1.2B
+0.5% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Bottom 8.6% in tier
Deposits $986.6M
+5.8% YoY-0.2% QoQ
 $-467.7M $1.5B
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Bottom 17.4% in tier
ROA 0.8%
+0.7% YoY+4.9% QoQ
 +0.1% 0.7%
+13.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 65th in tier
NIM 3.3%
+3.9% YoY+2.1% QoQ
 +0.1% 3.3%
+9.3% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 55th in tier
Efficiency Ratio 79.3%
+2.6% YoY-0.6% QoQ
 +5.3% 74.0%
-10.9% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 69th in tier
Delinquency Rate 0.4%
+2.8% YoY-1.4% QoQ
 -0.4 0.8%
+6.1% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Bottom 24.0% in tier
Loan To Share 74.2%
+3.8% YoY+4.2% QoQ
 -11.0% 85.2%
-0.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Bottom 20.1% in tier
AMR $22,063
+7.6% YoY+1.7% QoQ
 $-7K $29,172
+2.8% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 14.5% in tier
CD Concentration 24.4%
+4.5% YoY+0.3% QoQ
 -4.5% 29.0%
+0.8% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 31st in tier
Indirect Auto % 0.7%
-46.3% YoY-16.1% QoQ
 -18.1% 18.8%
-2.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 Bottom 16.6% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#60 of 264 • Top 8.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.56%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#92 of 264 • Top 12.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.56%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#97 of 184 • Top 18.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.04%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (2)

Growth-at-Risk

risk
#115 of 161 • Bottom 20.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.86%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#202 of 217 • Bottom 26.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

15
First Mortgage Concentration (%)
balance_sheet
Value: 12.68%
Peer Avg: 34.01%
#15 of 304 Top 4.6% in 1B-3B tier
41
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.60%
#41 of 304 Top 13.2% in 1B-3B tier
50
AMR Growth Rate
growth
Value: 7.56%
Peer Avg: 3.29%
#50 of 304 Top 16.1% in 1B-3B tier
57
Indirect Auto Concentration (%)
balance_sheet
Value: 0.67%
Peer Avg: 18.32%
#57 of 304 Top 18.4% in 1B-3B tier
67
Loan Growth Rate
growth
Value: 9.86%
Peer Avg: 5.27%
#67 of 304 Top 21.7% in 1B-3B tier
74
Total Delinquency Rate (60+ days)
risk
Value: 0.43%
Peer Avg: 0.83%
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (7 metrics)

281
Net Worth Ratio
risk
Value: 8.76%
Peer Avg: 11.44%
#281 of 304 Bottom 7.9% in 1B-3B tier
278
Total Loans
balance_sheet
Value: $732.45M
Peer Avg: $1.23B
#278 of 304 Bottom 8.9% in 1B-3B tier
273
Total Assets
balance_sheet
Value: $1.09B
Peer Avg: $1.72B
#273 of 304 Bottom 10.5% in 1B-3B tier
261
Loan-to-Member Ratio (LMR)
engagement
Value: $9,401
Peer Avg: $13,213
#261 of 304 Bottom 14.5% in 1B-3B tier
260
Average Member Relationship (AMR)
engagement
Value: $22,063
Peer Avg: $29,172
#260 of 304 Bottom 14.8% in 1B-3B tier
251
Total Deposits
balance_sheet
Value: $986.59M
Peer Avg: $1.45B
#251 of 304 Bottom 17.8% in 1B-3B tier
243
Loan-to-Share Ratio
balance_sheet
Value: 74.24%
Peer Avg: 85.19%
#243 of 304 Bottom 20.4% in 1B-3B tier