GEORGIA UNITED

Charter #68607 | GA

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in GA

GEORGIA UNITED has 4 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 14.1% in tier
  • + Organic Growth Leader: Top 17.3% in tier
  • + ROA 0.01% above tier average
  • + Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.5% in tier
  • - Growth-at-Risk: Bottom 22.3% in tier
  • - Shrinking Wallet Share: Bottom 24.8% in tier
  • - Delinquency rate 0.09% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 155,782
+3.4% YoY+1.4% QoQ
 +57.1K 98,678
-1.9% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Top 10.9% in tier
Assets $2.4B
+4.9% YoY+0.1% QoQ
 +$657.7M $1.7B
+0.5% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Top 18.8% in tier
Loans $1.7B
+0.9% YoY+0.1% QoQ
 +$502.6M $1.2B
+0.5% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 Top 17.1% in tier
Deposits $2.0B
+3.5% YoY-0.5% QoQ
 +$544.3M $1.5B
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Top 18.8% in tier
ROA 0.7%
-12.7% YoY+9.3% QoQ
 +0.0% 0.7%
+13.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 3.4%
+7.8% YoY+2.7% QoQ
 +0.2% 3.3%
+9.3% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 71.5%
-1.4% YoY-0.9% QoQ
 -2.4% 74.0%
-10.9% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.9%
+25.1% YoY+25.8% QoQ
 +0.1 0.8%
+6.1% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 86.8%
-2.5% YoY+0.5% QoQ
 +1.6% 85.2%
-0.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 47th in tier
AMR $23,971
-1.1% YoY-1.5% QoQ
 $-5K $29,172
+2.8% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 29th in tier
CD Concentration 21.5%
-14.2% YoY+1.5% QoQ
 -7.4% 29.0%
+0.8% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 Bottom 17.4% in tier
Indirect Auto % 0.0%
-79.2% YoY-32.8% QoQ
 -18.8% 18.8%
-2.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 Bottom 12.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#103 of 246 • Top 14.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.39%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.72%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.02%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#69 of 138 • Top 17.3% in tier

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

Why This Signature
Member Growth (YoY): 3.39%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk
#74 of 217 • Bottom 9.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.18% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#125 of 161 • Bottom 22.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 0.88%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.18% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#76 of 83 • Bottom 24.8% in tier

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

Why This Signature
AMR Growth (YoY): -1.10%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 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 304 peers in tier

Top Strengths (7 metrics)

33
Total Members
engagement
Value: 155,782
Peer Avg: 98,678
#33 of 304 Top 10.5% in 1B-3B tier
39
Members Per Employee (MPE)
engagement
Value: 458.182
Peer Avg: 364.953
#39 of 304 Top 12.5% in 1B-3B tier
42
Indirect Auto Concentration (%)
balance_sheet
Value: 0.02%
Peer Avg: 18.32%
#42 of 304 Top 13.5% in 1B-3B tier
52
Total Loans
balance_sheet
Value: $1.74B
Peer Avg: $1.23B
#52 of 304 Top 16.8% in 1B-3B tier
57
Total Assets
balance_sheet
Value: $2.38B
Peer Avg: $1.72B
#57 of 304 Top 18.4% in 1B-3B tier
57
Total Deposits
balance_sheet
Value: $2.00B
Peer Avg: $1.45B
#57 of 304 Top 18.4% in 1B-3B tier
59
Share Certificate Concentration (%)
balance_sheet
Value: 21.54%
Peer Avg: 28.53%
#59 of 304 Top 19.1% in 1B-3B tier

Top Weaknesses (1 metrics)

244
AMR Growth Rate
growth
Value: -1.10%
Peer Avg: 3.29%
#244 of 304 Bottom 20.1% in 1B-3B tier