CREDIT UNION OF GEORGIA
Charter #68571 | GA
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
4 500M-750M in GA
CREDIT UNION OF GEORGIA has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 2.7% in tier
- + Wallet Share Momentum: Top 9.9% in tier
- + Organic Growth Engine: Top 22.4% in tier
- + Organic Growth Leader: Top 28.5% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.43% above tier average
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 6.2% in tier
- - Credit Quality Pressure: Bottom 16.7% in tier
- - Delinquency rate 0.04% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,269
+0.9% YoY+0.8% QoQ
|
-3.5K |
39,752
-2.7% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
43rd in tier |
| Assets |
$712.5M
+6.0% YoY+1.4% QoQ
|
+$90.1M |
$622.4M
+0.3% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Top 15.4% in tier |
| Loans |
$502.5M
+12.9% YoY+1.0% QoQ
|
+$66.6M |
$435.9M
-0.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
73rd in tier |
| Deposits |
$617.8M
+4.4% YoY-0.4% QoQ
|
+$79.8M |
$538.0M
+1.3% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Top 16.0% in tier |
| ROA |
1.2%
+5.0% YoY+14.2% QoQ
|
+0.5% |
0.7%
+33.9% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 14.2% in tier |
| NIM |
3.9%
+12.6% YoY+1.5% QoQ
|
+0.4% |
3.4%
+8.6% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 20.1% in tier |
| Efficiency Ratio |
70.5%
+2.7% YoY-2.4% QoQ
|
-7.6% |
78.1%
-3.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.2% in tier |
| Delinquency Rate |
0.8%
+22.4% YoY+28.7% QoQ
|
+0.0 |
0.8%
-4.9% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
64th in tier |
| Loan To Share |
81.3%
+8.2% YoY+1.4% QoQ
|
+0.3% |
81.0%
-1.8% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$30,889
+7.1% YoY-0.6% QoQ
|
+$4K |
$26,482
+2.6% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 20.7% in tier |
| CD Concentration |
25.4%
+5.2% YoY+5.2% QoQ
|
+1.0% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
54th in tier |
| Indirect Auto % |
7.7%
+5.7% YoY-3.9% QoQ
|
-6.3% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growth
#76 of 1006 • Top 2.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.06%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$4.0K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#274 of 1006 • Top 9.9% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.06%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#411 of 603 • Top 22.4% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.91%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.18%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
7.69%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#376 of 430 • Top 28.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.91%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Concerns (2)
Growth-at-Risk
risk
#94 of 446 • Bottom 6.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
12.91%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.15% points
(Tier:
0.04% points, National:
0.07% points)
446 of 281 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#413 of 736 • Bottom 16.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.15% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
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)
15
Loan Growth Rate
growth
Value:
12.91%
Peer Avg: 4.04%
#15 of 169
Top 8.3% in 500M-750M tier
24
Return on Assets (ROA)
profitability
Value:
1.18%
Peer Avg: 0.66%
#24 of 169
Top 13.6% in 500M-750M tier
26
Total Assets
balance_sheet
Value:
$712.45M
Peer Avg: $622.38M
#26 of 169
Top 14.8% in 500M-750M tier
27
Total Deposits
balance_sheet
Value:
$617.81M
Peer Avg: $538.02M
#27 of 169
Top 15.4% in 500M-750M tier
30
Efficiency Ratio
profitability
Value:
70.48%
Peer Avg: 78.10%
#30 of 169
Top 17.2% in 500M-750M tier
32
AMR Growth Rate
growth
Value:
7.06%
Peer Avg: 3.12%
#32 of 169
Top 18.3% in 500M-750M tier
34
Net Interest Margin (NIM)
profitability
Value:
3.86%
Peer Avg: 3.43%
#34 of 169
Top 19.5% in 500M-750M tier
35
Average Member Relationship (AMR)
engagement
Value:
$30,889
Peer Avg: $26,482
#35 of 169
Top 20.1% in 500M-750M tier
37
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,855
Peer Avg: $11,805
#37 of 169
Top 21.3% in 500M-750M tier
Top Weaknesses (0 metrics)
No weakness rankings available