State credit union · NORCROSS, Georgia · NCUA charter #60484
Associated Credit Union
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.30B
- Total assets
- 157,397
- Members
- 12.8%
- Net-worth ratio
Associated Credit Union scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.30B; members 157,397; net-worth ratio 12.78%; health rank #373 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#373 of 4,374 health · 2025Q4Associated Credit Union · health 95/100 · $2.30B · 2025Q4
Call Report peers
Associated Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Associated Credit Union vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Associated Credit Union sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
Associated Credit Union vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.08% vs peer 83.90% (+3.18 pp).
- Widest shortfall vs peers is Return on Assets: -0.03 pp (0.48% vs 0.51%).
Where Associated Credit Union sits in Georgia
- Georgia health ordinal: #12 of 74.
- Assets rank #7 of 74 inside Georgia ($2.30B reported).
- Georgia membership ordinal: #4 of 74.
- One place up in Georgia, Coweta Cities & County Employees (#11) ties at 95/100; one place down, Macon Firemen's (#13) scores 94/100, 1 point lower.
How Associated Credit Union's 5300 filing moved
Associated Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +11.0% from $2.30B (2025Q4) to $2.56B (2026Q1).
- Net-worth ratio shifted +0.01 pp (12.77% → 12.78%).
12.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Associated Credit Union gives up 5 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.7 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 14.7 pts
Associated Credit Union health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.78% | +1.60 pp |
| Delinquency Rate | 0.34% | -0.53 pp |
| Return on Assets | 0.48% | -0.03 pp |
| Member Growth | 1.30% | - |
| Loan-to-Share Ratio | 87.08% | +3.18 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.56B | - |
| 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
Branch Locations (19)
Per its most recent NCUA branch filing, Associated Credit Union runs 19 offices in 12 different cities.
| Office | City |
|---|---|
| Associated Credit Union (Main Office) | Norcross, GA |
| Associated Credit Union - Ft McPherson | Atlanta, GA |
| Associated Credit Union - Vinings | Atlanta, GA |
| Associated Credit Union - North Druid Hills | Atlanta, GA |
| Associated Credit Union - Techwood | Atlanta, GA |
| Coca Cola | Atlanta, GA |
| Wheeler Road | Augusta, GA |
| Associated Credit Union - Carrollton | Carrollton, GA |
| Associated Credit Union - Chamblee II | Chamblee, GA |
| Associated Credit Union - Dawsonville | Dawsonville, GA |
| Associated Credit Union - Decatur | Decatur, GA |
| VA Med Center Remote ITM | Decatur, GA |
| Associated Credit Union - Ellenwood | Ellenwood, GA |
| Evans Towne Centre | Evans, GA |
| Associated Credit Union - Buford Drive | Lawrenceville, GA |
| Associated Credit Union - Lawrenceville | Lawrenceville, GA |
| Associated Credit Union - Dobbins | Marietta, GA |
| Associated Credit Union - Norcross | Norcross, GA |
| Associated Credit Union - Oakwood Branch | Oakwood, 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 Associated Credit Union
Using this data
- Associated Credit Union ranks #373 of 4,374 nationally on financial health and #12 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lge Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lge Community
Frequently Asked Questions
Is Associated Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Associated Credit Union scores 95/100 (Excellent), with a 12.78% net worth ratio and 0.34% of loans delinquent. It ranks #373 of 4,374 nationally on health and #12 of 74 in Georgia.
How does Associated Credit Union compare to other credit unions?
Associated Credit Union scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.08% vs 83.90%). Its widest shortfall is return on assets (0.48% vs 0.51%).
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?
Associated Credit Union is a state-chartered 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. Associated Credit Union's net worth ratio of 12.78% 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.