Federal credit union · Atlanta, Georgia · NCUA charter #6053
CDC
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $436.5M
- Total assets
- 23,252
- Members
- 9.1%
- Net-worth ratio
CDC scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $436.5M; members 23,252; net-worth ratio 9.12%; health rank #2,477 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,477 of 4,374 health · 2025Q4CDC · health 82/100 · $436.5M · 2025Q4
Call Report peers
CDC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CDC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CDC sits in 80-84 with 767 others.
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
Where CDC diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.12 pp (0.77% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.79 pp (46.41% vs 72.20%).
Where CDC sits in Georgia
- Health composite ranks #40 of 74 among scored Georgia credit unions.
- By total assets, CDC is #14 of 74 in Georgia.
- Georgia membership ordinal: #17 of 74.
- One place up in Georgia, Valdosta Teachers (#39) ties at 82/100; one place down, CGR (#41) scores 81/100, 1 point lower.
CDC Call Report trajectory
CDC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $436.5M (2025Q4) to $435.5M (2026Q1).
- Net-worth ratio shifted -0.30 pp (9.42% → 9.12%).
At 9.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
CDC gives up 18 points in total. Return on Assets costs the most, 8 of its 15; Member Growth scores full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 22.3 pts
- Return on Assets 7.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.9 pts
CDC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.12% | -2.99 pp |
| Delinquency Rate | 0.77% | -0.12 pp |
| Return on Assets | 0.06% | -0.57 pp |
| Member Growth | 5.48% | - |
| Loan-to-Share Ratio | 46.41% | -25.79 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $435.5M | - |
| 2025Q4 | $436.5M | 23,252 |
| 2024Q4 | $436.5M | 22,045 |
| 2023Q4 | $461.1M | 20,621 |
Credit Union Details
- Charter Number
- 6053
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Atlanta
- Data Quarter
- 2025Q4
Branch Locations (4)
CDC operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Northlake Office Park (Main Office) | Atlanta, GA |
| Clifton Road | Atlanta, GA |
| Northlake | Atlanta, GA |
| Chamblee, Disaster Recovery Location, Vital Recods Center | Chamblee, GA |
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.
CDC nationwide neighbourhoods
Using this data
- CDC ranks #2,477 of 4,374 nationally on financial health and #40 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHEASTERN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHEASTERN
Frequently Asked Questions
Is CDC financially healthy?
CDC has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,477 of 4,374 nationally on health and #40 of 74 in Georgia. Its net worth ratio is 9.12% and its delinquency rate 0.77%.
How does CDC compare to other credit unions?
CDC scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.77% vs 0.89%). Its widest shortfall is loan-to-share ratio (46.41% vs 72.20%).
How can I join CDC?
CDC serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact CDC directly for the current list of qualifying groups.
Is my money safe at CDC?
CDC 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. CDC's net worth ratio of 9.12% 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.