RIG EMPLOYEES
Charter #60582 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
RIG EMPLOYEES has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 0.56% above tier average
- + 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 Worth Ratio: Top 2.2% in tier
- + Members Per Employee (MPE): Top 7.5% in tier
- + Efficiency Ratio: Top 9.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.78% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
606
+1.2% YoY+0.7% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 16.4% in tier |
| Assets |
$6.1M
-0.2% YoY+2.1% QoQ
|
$-23.7M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 23.3% in tier |
| Loans |
$2.4M
-11.8% YoY+0.3% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.5% in tier |
| Deposits |
$3.6M
-3.4% YoY+2.4% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.1% in tier |
| ROA |
2.0%
+100.6% YoY+6.5% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 9.2% in tier |
| NIM |
4.5%
+11.5% YoY+0.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
73rd in tier |
| Efficiency Ratio |
55.0%
-28.5% YoY-8.2% QoQ
|
-26.4% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
3.3%
+261.2% YoY+107.6% QoQ
|
+1.8 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 10.5% in tier |
| Loan To Share |
67.2%
-8.7% YoY-2.0% QoQ
|
+6.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
58th in tier |
| AMR |
$10,036
-8.0% YoY+0.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
29th 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 (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
58
Net Worth Ratio
risk
Value:
40.57%
Peer Avg: 16.43%
#58 of 2596
Top 2.2% in <100M tier
195
Members Per Employee (MPE)
engagement
Value:
606.000
Peer Avg: 365.701
#195 of 2596
Top 7.5% in <100M tier
238
Return on Assets (ROA)
profitability
Value:
2.00%
Peer Avg: 0.68%
#238 of 2596
Top 9.1% in <100M tier
246
Efficiency Ratio
profitability
Value:
54.97%
Peer Avg: 81.39%
#246 of 2596
Top 9.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
578
Member Growth Rate
growth
Value:
1.17%
Peer Avg: 14.92%
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (8 metrics)
2325
Total Delinquency Rate (60+ days)
risk
Value:
3.29%
Peer Avg: 1.51%
#2325 of 2596
Bottom 10.5% in <100M tier
2323
AMR Growth Rate
growth
Value:
-8.01%
Peer Avg: 4.67%
#2323 of 2596
Bottom 10.6% in <100M tier
2170
Total Members
engagement
Value:
606
Peer Avg: 2,626
#2170 of 2596
Bottom 16.4% in <100M tier
2159
Loan Growth Rate
growth
Value:
-11.78%
Peer Avg: 59.01%
#2159 of 2596
Bottom 16.9% in <100M tier
2126
Total Deposits
balance_sheet
Value:
$3.64M
Peer Avg: $25.45M
#2126 of 2596
Bottom 18.1% in <100M tier
2065
Total Loans
balance_sheet
Value:
$2.44M
Peer Avg: $15.77M
#2065 of 2596
Bottom 20.5% in <100M tier
1992
Total Assets
balance_sheet
Value:
$6.15M
Peer Avg: $29.86M
#1992 of 2596
Bottom 23.3% in <100M tier
1951
Deposit Growth Rate
growth
Value:
-3.37%
Peer Avg: 16.80%
#1951 of 2596
Bottom 24.9% in <100M tier