State credit union · NORCROSS, Georgia · NCUA charter #60484
Associated Credit Union
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.30B
- Total assets
- 157,397
- Members
- 12.6%
- Net-worth ratio
Associated Credit Union - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60484 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Associated Credit Union - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)98
- Member growth70
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.56% | 30% |
| Delinquency Rate | 0.34% | 25% |
| Return on Assets | 0.48% | 15% |
| Member Growth | 1.30% | 15% |
| Loan-to-Share Ratio | 87.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.30B | 157,397 |
| 2024Q4 | $2.24B | 155,380 |
| 2023Q4 | $2.17B | 158,336 |
Credit Union Details
- Charter Number
- 60484
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- NORCROSS
- Data Quarter
- 2025Q4
What This Data Says About Associated Credit Union
157,397 members and $2.30B in total assets sit behind Associated Credit Union, a state credit union in NORCROSS, Georgia, which posts a health score of 95/100 (Excellent) on the five-factor composite, with $1.73B in outstanding loans as of Q4 2025 and a net worth ratio of 12.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60484 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.34% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 87.08% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.48% on net income of $11.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.30%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Associated Credit Union financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Associated Credit Union carries a financial health score of 95/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.56% net worth ratio and a 0.34% delinquency rate.
How does Associated Credit Union compare to other credit unions?
PlainCU's health composite puts Associated Credit Union at 95/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Associated Credit Union?
Membership eligibility for Associated Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Associated Credit Union directly for current membership requirements and application steps.
Is my money safe at Associated Credit Union?
Federal credit unions like Associated Credit Union 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. Associated Credit Union's net worth ratio of 12.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Associated Credit Union offer compared to banks?
Credit unions like Associated Credit Union 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 Associated Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.