Federal credit union · Jesup, Georgia · NCUA charter #10262
ALTAMAHA
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $72.4M
- Total assets
- 10,816
- Members
- 14.0%
- Net-worth ratio
ALTAMAHA scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.4M; members 10,816; net-worth ratio 14.01%; health rank #2,410 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,410 of 4,374 health · 2025Q4ALTAMAHA · health 82/100 · $72.4M · 2025Q4
- HEALTH 82/100
- NW 14.0%
- DELQ 0.97%
- ROA 0.10%
- ASSETS $72.4M
- MEM 10,816
- RANK #2,410/4,374
- PHOTO Education Personnel
- BOOK 10262
Call Report peers
ALTAMAHA in the assets neighbourhood
ALTAMAHA's $72.4M assets sit next to Education Personnel ($72.4M) 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.
ALTAMAHA 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
82 43rd percentile higher than 43% 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
ALTAMAHA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10262. See our deposit-insurance coverage note.
Peer-gap read for ALTAMAHA
- Net Worth Ratio leads the peer set - 14.01% here, 13.62% peer average (+0.39 pp).
- Loan-to-Share Ratio trails the peer set - 59.10% here, 62.60% peer average (-3.50 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia standing for ALTAMAHA
- In Georgia, health place is #37 of 74 on the same NCUA-ratio sort used nationally.
- Georgia assets place: #34 of 74.
- Membership ranks #29 of 74 among Georgia CUs with a reported count (10,816 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALTAMAHA: 2025Q4 → 2026Q1
ALTAMAHA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $72.4M (2025Q4) to $73.8M (2026Q1).
- Net-worth ratio shifted -0.16 pp (14.17% → 14.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 9.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 12.4 pts
ALTAMAHA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.01% | +0.39 pp |
| Delinquency Rate | 0.97% | +0.01 pp |
| Return on Assets | 0.10% | -0.56 pp |
| Member Growth | 1.09% | - |
| Loan-to-Share Ratio | 59.10% | -3.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
ALTAMAHA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.8M | - |
| 2025Q4 | $72.4M | 10,816 |
| 2024Q4 | $71.3M | 10,699 |
| 2023Q4 | $66.5M | 10,395 |
Credit Union Details
- Charter Number
- 10262
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Georgia
- City
- Jesup
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for ALTAMAHA, spread across 3 cities.
| Office | City |
|---|---|
| 407 S 1st St (Main Office) | Jesup, GA |
| Ludowici Branch | Ludowici, GA |
| Screven Branch | Screven, 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.
ALTAMAHA nationwide neighbourhoods
Cross-state asset and health neighbours for ALTAMAHA - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- ALTAMAHA ranks #2,410 of 4,374 nationally on financial health and #37 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANIER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANIER
- 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 ALTAMAHA financially healthy?
ALTAMAHA has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,410 of 4,374; by total assets it ranks #2,112 of 4,374 nationally (same basis as /rankings/largest); and #34 of 74 within Georgia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.01% and delinquency rate of 0.97%.
How does ALTAMAHA compare to other credit unions?
Five weighted metrics from NCUA filings produce ALTAMAHA's 82/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 ALTAMAHA?
ALTAMAHA 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 ALTAMAHA directly for the exact boundaries and application steps.
Is my money safe at ALTAMAHA?
Federal credit unions like ALTAMAHA 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. ALTAMAHA's net worth ratio of 14.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALTAMAHA offer compared to banks?
Credit unions like ALTAMAHA 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 ALTAMAHA 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.