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
- MEM 95/100
- RANK 12.8%
- PHOTO 0.34%
- BOOK 0.48%
- CHARTER $2.30B
- NCUSIF 157,397
- CAMELS #373/4,374
- HEALTH FORUM
- NW 60484
Call Report peers
Associated Credit Union in the assets neighbourhood
Associated Credit Union's $2.30B assets sit next to FORUM ($2.30B) 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.
Associated Credit Union 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
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 - 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 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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Associated Credit Union's 5300 filing moved
Associated Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +11.0% from $2.30B (2025Q4) to $2.56B (2026Q1).
- Net-worth ratio shifted +0.01 pp (12.77% → 12.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Associated Credit Union's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.30B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #373 of 4,374; by total assets it ranks #230 of 4,374 nationally (same basis as /rankings/largest); and #7 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.78% 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 12.78% 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.
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.