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
Call Report peers
AFLAC in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); AFLAC sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Georgia, GP (#62) scores 70/100, 1 point higher; one place down, Coffee County Teachers (#64) ties at 69/100.
Quarter path for AFLAC
AFLAC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $135.7M (2025Q4) to $137.4M (2026Q1).
- Net-worth ratio shifted +0.32 pp (36.83% → 37.15%).
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
AFLAC gives up 31 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is AFLAC financially healthy?
AFLAC has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,624 of 4,374 nationally on health and #63 of 74 in Georgia. Its net worth ratio is 37.15% and its delinquency rate 1.50%.
How does AFLAC compare to other credit unions?
AFLAC scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (37.15% vs 12.11%). Its widest shortfall is loan-to-share ratio (16.11% vs 72.20%).
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?
AFLAC is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.