AFLAC

Charter #16096 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

AFLAC has 13 strengths but faces 17 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.2% in tier
  • + Emerging Performer: Top 17.1% in tier
  • + Relationship Depth Leader: Top 18.3% in tier
  • + ROA 2.16% above tier average
  • + Net Interest Margin 0.57% above tier average
  • + Efficiency Ratio: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 0.1% in tier
  • + Net Worth Ratio: Top 0.1% in tier
  • + Members Per Employee (MPE): Top 0.2% in tier
  • + AMR Growth Rate: Top 0.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.0% in tier
  • - Membership Headwinds: Bottom 0.1% in tier
  • - Stagnation Risk: Bottom 1.3% in tier
  • - Institutional Decline: Bottom 9.3% in tier
  • - Credit Quality Pressure: Bottom 26.9% in tier
  • - Delinquency rate 1.24% above tier average
  • - Member decline: -32.8% YoY
  • - Loan-to-Member Ratio (LMR): Bottom 0.1% in tier
  • - Fee Income Per Member: Bottom 0.2% in tier
  • - Total Loans: Bottom 0.2% in tier
  • - Average Member Relationship (AMR): Bottom 0.3% in tier
  • - Loan-to-Share Ratio: Bottom 0.4% in tier
  • - Member Growth Rate: Bottom 0.6% in tier
  • - Deposit Growth Rate: Bottom 0.6% in tier
  • - Total Deposits: Bottom 0.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
  • - Asset Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 9,734
-32.8% YoY-5.4% QoQ
 -5.9K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 28th in tier
Assets $136.7M
-2.2% YoY-1.5% QoQ
 $-94.6M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Bottom 24.1% in tier
Loans $13.0M
-3.9% YoY-1.9% QoQ
 $-134.8M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Bottom 0.1% in tier
Deposits $84.1M
-11.1% YoY-3.7% QoQ
 $-116.2M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Bottom 0.6% in tier
ROA 3.0%
+14.3% YoY+5.2% QoQ
 +2.2% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Top 0.4% in tier
NIM 4.1%
+16.2% YoY+0.5% QoQ
 +0.6% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 Top 19.0% in tier
Efficiency Ratio 23.2%
-9.5% YoY-2.6% QoQ
 -54.1% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Bottom 0.0% in tier
Delinquency Rate 2.1%
+1.2% YoY+22.1% QoQ
 +1.2 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Top 5.7% in tier
Loan To Share 15.5%
+8.2% YoY+1.9% QoQ
 -57.2% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Bottom 0.3% in tier
AMR $9,979
+33.6% YoY+2.0% QoQ
 $-14K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 0.2% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#5 of 1006 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 33.55%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#321 of 627 • Top 17.1% in tier

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

Why This Signature
Return on Assets: 2.95%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -32.78%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#505 of 1006 • Top 18.3% in tier

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

Why This Signature
AMR Growth (YoY): 33.55%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $0.00
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Liquidity Overhang

risk
#1 of 552 • Bottom 0.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 35.92%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 15.47%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Membership Headwinds

decline
#3 of 550 • Bottom 0.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -32.78%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#22 of 550 • Bottom 1.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 2.95%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -32.78%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $10.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 0.00%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#74 of 256 • Bottom 9.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $136.71M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -32.78%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.89%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Credit Quality Pressure

risk
#666 of 736 • Bottom 26.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 1077 peers in tier

Top Strengths (10 metrics)

1
Efficiency Ratio
profitability
Value: 23.17%
Peer Avg: 77.28%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 30.43%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 23.61%
#1 of 1077 Top 0.0% in 100M-500M tier
2
Net Charge-Off Rate
risk
Value: -0.12%
Peer Avg: 0.47%
#2 of 1077 Top 0.1% in 100M-500M tier
2
Net Worth Ratio
risk
Value: 35.92%
Peer Avg: 12.15%
#2 of 1077 Top 0.1% in 100M-500M tier
3
Members Per Employee (MPE)
engagement
Value: 1081.556
Peer Avg: 332.881
#3 of 1077 Top 0.2% in 100M-500M tier
4
Return on Assets (ROA)
profitability
Value: 2.95%
Peer Avg: 0.79%
#4 of 1077 Top 0.3% in 100M-500M tier
4
AMR Growth Rate
growth
Value: 33.55%
Peer Avg: 3.64%
#4 of 1077 Top 0.3% in 100M-500M tier
205
Net Interest Margin (NIM)
profitability
Value: 4.15%
Peer Avg: 3.58%
#205 of 1077 Top 18.9% in 100M-500M tier

Top Weaknesses (12 metrics)

1077
Loan-to-Member Ratio (LMR)
engagement
Value: $1,337
Peer Avg: $10,245
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1076
Fee Income Per Member
profitability
Value: $0.85
Peer Avg: $174.31
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1076
Total Loans
balance_sheet
Value: $13.02M
Peer Avg: $147.80M
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1075
Average Member Relationship (AMR)
engagement
Value: $9,979
Peer Avg: $24,363
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1074
Loan-to-Share Ratio
balance_sheet
Value: 15.47%
Peer Avg: 72.70%
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1072
Member Growth Rate
growth
Value: -32.78%
Peer Avg: 0.72%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1072
Deposit Growth Rate
growth
Value: -11.13%
Peer Avg: 4.69%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1070
Total Deposits
balance_sheet
Value: $84.12M
Peer Avg: $200.29M
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1017
Total Delinquency Rate (60+ days)
risk
Value: 2.10%
Peer Avg: 0.86%
#1017 of 1077 Bottom 5.7% in 100M-500M tier
976
Asset Growth Rate
growth
Value: -2.19%
Peer Avg: 4.70%
#976 of 1077 Bottom 9.5% in 100M-500M tier