Federal credit union · Atlanta, Georgia · NCUA charter #20974
B.O.N.D. Community
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $43.7M
- Total assets
- 3,209
- Members
- 11.2%
- Net-worth ratio
B.O.N.D. Community scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.7M; members 3,209; net-worth ratio 11.23%; health rank #3,950 of 4,374; healthier than 9th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,950 of 4,374 health · 2025Q4B.O.N.D. Community · health 63/100 · $43.7M · 2025Q4
Call Report peers
B.O.N.D. Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
B.O.N.D. Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); B.O.N.D. Community sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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 B.O.N.D. Community
- Largest favorable gap: Loan-to-Share Ratio at 95.11% vs peer 59.80% (+35.31 pp).
- Net Worth Ratio trails the peer set - 11.23% here, 14.86% peer average (-3.63 pp).
Georgia standing for B.O.N.D. Community
- Georgia health ordinal: #71 of 74.
- Assets rank #37 of 74 inside Georgia ($43.7M reported).
- Member book place in Georgia: #39 of 74.
- One place up in Georgia, Family First (#70) scores 65/100, 2 points higher; one place down, ARTESIAN (#72) scores 58/100, 5 points lower.
B.O.N.D. Community Call Report trajectory
B.O.N.D. Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $43.7M (2025Q4) to $44.1M (2026Q1).
- Net-worth ratio shifted -0.61 pp (11.84% → 11.23%).
11.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
B.O.N.D. Community gives up 37 points in total. Delinquency Rate costs the most, 23.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 12.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.23% | -3.63 pp |
| Delinquency Rate | 3.72% | +2.57 pp |
| Return on Assets | 0.95% | +0.24 pp |
| Member Growth | -2.88% | - |
| Loan-to-Share Ratio | 95.11% | +35.31 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - B.O.N.D. Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.1M | - |
| 2025Q4 | $43.7M | 3,209 |
| 2024Q4 | $47.0M | 3,304 |
| 2023Q4 | $46.4M | 3,383 |
Credit Union Details
- Charter Number
- 20974
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Atlanta
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, B.O.N.D. Community runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| B.O.N.D. Community FCU (Main Office) | Atlanta, GA |
| Pinnacle Credit Union | Atlanta, GA |
| Fiserv-Integrasys | Frisco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- B.O.N.D. Community ranks #3,950 of 4,374 nationally on financial health and #71 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- On the Grid Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with On the Grid Financial
Frequently Asked Questions
Is B.O.N.D. Community financially healthy?
B.O.N.D. Community has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,950 of 4,374 nationally on health and #71 of 74 in Georgia. Its net worth ratio is 11.23% and its delinquency rate 3.72%.
How does B.O.N.D. Community compare to other credit unions?
B.O.N.D. Community scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (95.11% vs 59.80%). Its widest shortfall is net worth ratio (11.23% vs 14.86%).
How can I join B.O.N.D. Community?
B.O.N.D. Community 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 B.O.N.D. Community directly for the exact boundaries and application steps.
Is my money safe at B.O.N.D. Community?
B.O.N.D. Community 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. B.O.N.D. Community's net worth ratio of 11.23% 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.