SAVANNAH SCHOOLS
Charter #9408 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
SAVANNAH SCHOOLS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.33% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 2.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,028
-1.7% YoY+0.6% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 20.8% in tier |
| Assets |
$44.1M
+0.9% YoY+0.0% QoQ
|
+$14.3M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$13.3M
-4.7% YoY-0.3% QoQ
|
$-2.4M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
58th in tier |
| Deposits |
$38.8M
+0.9% YoY+0.2% QoQ
|
+$13.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
75th in tier |
| ROA |
1.1%
+22.2% YoY+8.5% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
68th in tier |
| NIM |
3.7%
-11.8% YoY+0.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
43rd in tier |
| Efficiency Ratio |
81.7%
+18.6% YoY-0.7% QoQ
|
+0.3% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
1.0%
-75.3% YoY-3.9% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
62nd in tier |
| Loan To Share |
34.3%
-5.5% YoY-0.5% QoQ
|
-26.9% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.5% in tier |
| AMR |
$12,940
+1.1% YoY-0.5% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
2.5%
-8.3% YoY-3.6% QoQ
|
-21.9% |
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
405
Fee Income Per Member
profitability
Value:
$146.77
Peer Avg: $182.96
#405 of 2596
Top 15.6% in <100M tier
541
Total Members
engagement
Value:
4,028
Peer Avg: 2,626
#541 of 2596
Top 20.8% in <100M tier
Top Weaknesses (2 metrics)
2526
Net Charge-Off Rate
risk
Value:
3.26%
Peer Avg: 0.57%
#2526 of 2596
Bottom 2.7% in <100M tier
2242
Loan-to-Share Ratio
balance_sheet
Value:
34.33%
Peer Avg: 61.23%
#2242 of 2596
Bottom 13.7% in <100M tier