Genuine Parts Credit Union
Norcross, GA·Charter 67382·cu:67382·Credit union RBC / net worth
- #47 of 71Total assets in Georgia
- 1,485members
- Top 1%Net interest margin vs. peers
- Top 1%Return on assets vs. peers
- Top 1%Efficiency vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Genuine Parts Credit Union
5 of 21 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Net interest margin widening faster than peersStrength: Earnings36.47%peers 3.93%+3254 bps
Genuine Parts Credit Union's net interest margin on average assets rose 3027 bps over the past year to 36.47%. Among 2470 similar credit unions, the median rose 1 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 36.47% | 3.93% | +3254 bps |
| 12-month change | ||
| +3027 bps | +1 bps | +3026 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Genuine Parts Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio rising faster than peersStrength: Capital79.20%peers 14.30%+64.9 pp
Genuine Parts Credit Union's net worth ratio rose 14.4 percentage points over the past year to 79.20%. Among 2473 similar credit unions, the median rose 0.4 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 79.20% | 14.30% | +64.9 pp |
| 12-month change | ||
| +14.4 pp | +0.4 pp | +14.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Genuine Parts Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs falling while the peer median holds steadyStrength: Funding2.12%peers 0.91%+122 bps
Genuine Parts Credit Union's cost of all shares and deposits fell 78 bps over the past year to 2.12%. Among 2468 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 2.12% | 0.91% | +122 bps |
| 12-month change | ||
| -78 bps | 0 bps | -78 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Genuine Parts Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling while the peer median risesStrength: Efficiency7.3%peers 79.8%-72.5 pp
Genuine Parts Credit Union's efficiency ratio fell 26.1 percentage points over the past year to 7.3%. Among 2444 similar credit unions, the median rose 2.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 7.3% | 79.8% | -72.5 pp |
| 12-month change | ||
| -26.1 pp | +2.6 pp | -28.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Genuine Parts Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Return on assets rising while the peer median fallsEarnings
Key facts
- Genuine Parts Credit Union is a state-chartered credit union headquartered in Norcross, Georgia. It reported $19.5 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $6.2 million, down 17.2% from a year earlier, and loans totaled $2.3 million, down 14.1%.
- Its net interest margin on average assets was 36.47% and its annualized return on assets was 33.78% for the quarter.
- Its cost of all shares and deposits was 2.12%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 1,485 members, down 1.1% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Genuine Parts Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Genuine Parts Credit Union · Credit union
- NCUA charter
- 67382
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Genuine Parts Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.62M | |
| $1.79M | |
| $34.18K | |
| $1.75M | |
| $3.33K | |
| $127.5K | |
| $5K | |
| $5K | |
| 33.78% | |
| 36.47% | |
| 7.26% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.