State credit union · Macon, Georgia · NCUA charter #67367
CGR
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $117.2M
- Total assets
- 11,129
- Members
- 21.8%
- Net-worth ratio
CGR scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $117.2M; members 11,129; net-worth ratio 21.79%; health rank #2,520 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,520 of 4,374 health · 2025Q4CGR · health 81/100 · $117.2M · 2025Q4
Call Report peers
CGR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CGR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CGR sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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 CGR diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +9.68 pp (21.79% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.50 pp (52.70% vs 72.20%).
Where CGR sits in Georgia
- Georgia health ordinal: #41 of 74.
- Assets rank #31 of 74 inside Georgia ($117.2M reported).
- Member book place in Georgia: #28 of 74.
- One place up in Georgia, CDC (#40) scores 82/100, 1 point higher; one place down, Georgia Power Valdosta (#42) ties at 81/100.
CGR Call Report trajectory
CGR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $117.2M (2025Q4) to $119.5M (2026Q1).
- Net-worth ratio shifted +0.04 pp (21.75% → 21.79%).
This credit union's 21.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
CGR gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
CGR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.79% | +9.68 pp |
| Delinquency Rate | 0.48% | -0.41 pp |
| Return on Assets | 1.53% | +0.90 pp |
| Member Growth | -7.05% | - |
| Loan-to-Share Ratio | 52.70% | -19.50 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CGR quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $119.5M | - |
| 2025Q4 | $117.2M | 11,129 |
| 2024Q4 | $112.3M | 11,973 |
| 2023Q4 | $113.7M | 11,800 |
Credit Union Details
- Charter Number
- 67367
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Macon
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for CGR, spread across 3 cities.
| Office | City |
|---|---|
| CGR Credit Union Ingleside Branch (Main Office) | Macon, GA |
| Warner Robins Branch | Kathleen, GA |
| CGR Credit Union Pine | Macon, GA |
| CGR Credit Union Carlyle Place Branch | Macon, GA |
| CGR Credit Union Baldwin Branch | Milledgeville, 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.
CGR nationwide neighbourhoods
Using this data
- CGR ranks #2,520 of 4,374 nationally on financial health and #41 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Georgia is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Georgia
Frequently Asked Questions
Is CGR financially healthy?
On its 2025Q4 NCUA 5300 filing, CGR scores 81/100 (Excellent), with a 21.79% net worth ratio and 0.48% of loans delinquent. It ranks #2,520 of 4,374 nationally on health and #41 of 74 in Georgia.
How does CGR compare to other credit unions?
CGR scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (21.79% vs 12.11%). Its widest shortfall is loan-to-share ratio (52.70% vs 72.20%).
How can I join CGR?
Membership eligibility for CGR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CGR directly for current membership requirements and application steps.
Is my money safe at CGR?
CGR 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. CGR's net worth ratio of 21.79% 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.