COCA-COLA

Charter #17017 | GA

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

COCA-COLA has 6 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 4.8% in tier
  • + Emerging Performer: Top 12.3% in tier
  • + Organic Growth Engine: Top 15.2% in tier
  • + Net Interest Margin 0.02% above tier average
  • + Strong member growth: 5.8% YoY
  • + Member Growth Rate: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.1% in tier
  • - Deposit Outflow: Bottom 2.7% in tier
  • - Credit Quality Pressure: Bottom 6.6% in tier
  • - Efficiency Drag: Bottom 22.1% in tier
  • - Liquidity Overhang: Bottom 24.8% in tier
  • - ROA 0.33% below tier average
  • - Efficiency ratio 7.78% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 0.7% in tier
  • - AMR Growth Rate: Bottom 1.0% in tier
  • - Deposit Growth Rate: Bottom 1.6% in tier
  • - Loan Growth Rate: Bottom 1.9% in tier
  • - Fee Income Per Member: Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 14,313
+5.8% YoY+1.4% QoQ
 -1.3K 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $206.1M
-9.7% YoY-3.5% QoQ
 $-25.2M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $143.4M
-12.6% YoY-3.9% QoQ
 $-4.4M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $173.8M
-8.3% YoY-4.7% QoQ
 $-26.5M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.5%
-32.0% YoY+30.1% QoQ
 -0.3% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.6%
+10.8% YoY+7.3% QoQ
 +0.0% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 51st in tier
Efficiency Ratio 85.1%
+11.5% YoY-0.9% QoQ
 +7.8% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 23.0% in tier
Delinquency Rate 0.8%
+126.6% YoY+137.4% QoQ
 -0.1 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 59th in tier
Loan To Share 82.5%
-4.7% YoY+0.7% QoQ
 +9.8% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $22,162
-15.2% YoY-5.7% QoQ
 $-2K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 17.0%
-9.4% YoY-1.7% QoQ
 -7.4% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 6.7%
-13.8% QoQ
 -7.2% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#64 of 430 • Top 4.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Emerging Performer

growth
#232 of 627 • Top 12.3% in tier

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

Why This Signature
Return on Assets: 0.46%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#279 of 603 • Top 15.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 6.74%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Shrinking Wallet Share

decline
#12 of 244 • Bottom 1.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -15.18%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline
#17 of 114 • Bottom 2.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -8.27%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $206.11M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Credit Quality Pressure

risk
#165 of 736 • Bottom 6.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.44% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#391 of 521 • Bottom 22.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.05%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 5.80%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Overhang

risk
#385 of 552 • Bottom 24.8% 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: 13.65%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 82.48%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 (2 metrics)

83
Member Growth Rate
growth
Value: 5.80%
Peer Avg: 0.72%
#83 of 1077 Top 7.6% in 100M-500M tier
260
Net Worth Ratio
risk
Value: 13.65%
Peer Avg: 12.15%
#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1070
Asset Growth Rate
growth
Value: -9.68%
Peer Avg: 4.70%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1067
AMR Growth Rate
growth
Value: -15.18%
Peer Avg: 3.64%
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1061
Deposit Growth Rate
growth
Value: -8.27%
Peer Avg: 4.69%
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1057
Loan Growth Rate
growth
Value: -12.55%
Peer Avg: 3.45%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
994
Fee Income Per Member
profitability
Value: $81.77
Peer Avg: $174.31
#994 of 1077 Bottom 7.8% in 100M-500M tier
830
Efficiency Ratio
profitability
Value: 85.05%
Peer Avg: 77.28%
#830 of 1077 Bottom 23.0% in 100M-500M tier
819
First Mortgage Concentration (%)
balance_sheet
Value: 42.28%
Peer Avg: 30.43%
#819 of 1077 Bottom 24.0% in 100M-500M tier