GEORGIA GUARD
Charter #68291 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
GEORGIA GUARD has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Net Interest Margin 2.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.83% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
710
-2.3% YoY+0.9% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 20.1% in tier |
| Assets |
$3.5M
-0.9% YoY+1.0% QoQ
|
$-26.3M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.6% in tier |
| Loans |
$2.5M
-6.7% YoY+0.5% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 20.8% in tier |
| Deposits |
$3.2M
-2.7% YoY+2.0% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.6% in tier |
| ROA |
2.0%
-181.5% YoY-57.4% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 9.4% in tier |
| NIM |
6.5%
-10.4% YoY-2.3% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
68.4%
-33.1% YoY+18.9% QoQ
|
-13.0% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
28th in tier |
| Delinquency Rate |
7.3%
+183.9% YoY+427.0% QoQ
|
+5.8 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
Top 3.3% in tier |
| Loan To Share |
78.8%
-4.1% YoY-1.5% QoQ
|
+17.6% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 24.2% in tier |
| AMR |
$7,980
-2.2% YoY+0.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.3% in tier |
| CD Concentration |
10.2%
+17.1% YoY+5.3% QoQ
|
-14.2% |
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 (6 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
65
Net Interest Margin (NIM)
profitability
Value:
6.45%
Peer Avg: 3.93%
#65 of 2596
Top 2.5% in <100M tier
73
Fee Income Per Member
profitability
Value:
$273.06
Peer Avg: $182.96
#73 of 2596
Top 2.8% in <100M tier
243
Return on Assets (ROA)
profitability
Value:
1.97%
Peer Avg: 0.68%
#243 of 2596
Top 9.3% in <100M tier
625
Loan-to-Share Ratio
balance_sheet
Value:
78.79%
Peer Avg: 61.23%
#625 of 2596
Top 24.0% in <100M tier
Top Weaknesses (9 metrics)
2511
Total Delinquency Rate (60+ days)
risk
Value:
7.34%
Peer Avg: 1.51%
#2511 of 2596
Bottom 3.3% in <100M tier
2221
Net Worth Ratio
risk
Value:
9.68%
Peer Avg: 16.43%
#2221 of 2596
Bottom 14.5% in <100M tier
2217
Total Assets
balance_sheet
Value:
$3.51M
Peer Avg: $29.86M
#2217 of 2596
Bottom 14.6% in <100M tier
2196
Net Charge-Off Rate
risk
Value:
0.93%
Peer Avg: 0.57%
#2196 of 2596
Bottom 15.4% in <100M tier
2164
Total Deposits
balance_sheet
Value:
$3.17M
Peer Avg: $25.45M
#2164 of 2596
Bottom 16.7% in <100M tier
2094
Average Member Relationship (AMR)
engagement
Value:
$7,980
Peer Avg: $14,627
#2094 of 2596
Bottom 19.4% in <100M tier
2073
Total Members
engagement
Value:
710
Peer Avg: 2,626
#2073 of 2596
Bottom 20.2% in <100M tier
2057
Total Loans
balance_sheet
Value:
$2.50M
Peer Avg: $15.77M
#2057 of 2596
Bottom 20.8% in <100M tier
2007
Members Per Employee (MPE)
engagement
Value:
236.667
Peer Avg: 365.701
#2007 of 2596
Bottom 22.7% in <100M tier