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
- NCUSIF 82/100
- CAMELS 9.1%
- HEALTH 0.77%
- NW 0.06%
- DELQ $436.5M
- ROA 23,252
- ASSETS #2,477/4,374
- MEM PECU
- RANK 6053
Call Report peers
CDC in the assets neighbourhood
CDC's $436.5M assets sit next to PECU ($437.3M) 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.
CDC 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
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
CDC - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6053. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CDC Call Report trajectory
CDC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $436.5M (2025Q4) to $435.5M (2026Q1).
- Net-worth ratio shifted -0.30 pp (9.42% → 9.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for CDC - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($436.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 CDC financially healthy?
A 9.12% net worth ratio and a 0.77% delinquency rate feed into CDC's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,477 of 4,374; by total assets it ranks #816 of 4,374 nationally (same basis as /rankings/largest); and #14 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CDC compare to other credit unions?
On PlainCU's health composite, CDC lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like CDC 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. CDC's net worth ratio of 9.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CDC offer compared to banks?
Credit unions like CDC 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 CDC 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.