Federal credit union · COLUMBUS, Georgia · NCUA charter #16096
AFLAC
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $135.7M
- Total assets
- 9,596
- Members
- 37.1%
- Net-worth ratio
AFLAC scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $135.7M; members 9,596; net-worth ratio 37.15%; health rank #3,624 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,624 of 4,374 health · 2025Q4AFLAC · health 69/100 · $135.7M · 2025Q4
- CHARTER 69/100
- NCUSIF 37.1%
- CAMELS 1.50%
- HEALTH 2.72%
- NW $135.7M
- DELQ 9,596
- ROA #3,624/4,374
- ASSETS KRAFTMAN
- MEM 16096
Call Report peers
AFLAC in the assets neighbourhood
AFLAC's $135.7M assets sit next to KRAFTMAN ($135.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AFLAC vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
AFLAC - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16096: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for AFLAC
- Net Worth Ratio leads the peer set - 37.15% here, 12.11% peer average (+25.04 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -56.09 pp (16.11% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia standing for AFLAC
- Health composite ranks #63 of 74 among scored Georgia credit unions.
- Assets rank #29 of 74 inside Georgia ($135.7M reported).
- Member book place in Georgia: #32 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for AFLAC
AFLAC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $135.7M (2025Q4) to $137.4M (2026Q1).
- Net-worth ratio shifted +0.32 pp (36.83% → 37.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 37.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.15% | +25.04 pp |
| Delinquency Rate | 1.50% | +0.61 pp |
| Return on Assets | 2.72% | +2.10 pp |
| Member Growth | -14.67% | - |
| Loan-to-Share Ratio | 16.11% | -56.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
AFLAC quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $137.4M | - |
| 2025Q4 | $135.7M | 9,596 |
| 2024Q4 | $135.6M | 11,246 |
| 2023Q4 | $149.6M | 15,688 |
Credit Union Details
- Charter Number
- 16096
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- COLUMBUS
- Data Quarter
- 2025Q4
Branch Location
AFLAC operates a single office in Columbus, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Aflac Federal Credit Union (Main Office) | Columbus, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Cross-state Call Report peers for AFLAC
Two NCUA Call Report peer sets for AFLAC, both outside Georgia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($135.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- AFLAC ranks #3,624 of 4,374 nationally on financial health and #63 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Workmen's Circle Incorporated is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Workmen's Circle Incorporated
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is AFLAC financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, AFLAC carries a financial health score of 69/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,624 of 4,374; by total assets it ranks #1,572 of 4,374 nationally (same basis as /rankings/largest); and #29 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 37.15% net worth ratio and a 1.50% delinquency rate.
How does AFLAC compare to other credit unions?
AFLAC scores 69/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join AFLAC?
AFLAC operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AFLAC directly for the exact boundaries and application steps.
Is my money safe at AFLAC?
Federal credit unions like AFLAC are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AFLAC's net worth ratio of 37.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AFLAC offer compared to banks?
Credit unions like AFLAC are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AFLAC directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.