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
- DELQ 81/100
- ROA 21.8%
- ASSETS 0.48%
- MEM 1.53%
- RANK $117.2M
- PHOTO 11,129
- BOOK #2,520/4,374
- CHARTER American Broadcast Employees
- NCUSIF 67367
Call Report peers
CGR in the assets neighbourhood
CGR's $117.2M assets sit next to American Broadcast Employees ($117.4M) 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.
CGR 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
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
CGR - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67367 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CGR Call Report trajectory
CGR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $117.2M (2025Q4) to $119.5M (2026Q1).
- Net-worth ratio shifted +0.04 pp (21.75% → 21.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
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).
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
CGR's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($117.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 CGR financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - CGR's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,520 of 4,374; by total assets it ranks #1,696 of 4,374 nationally (same basis as /rankings/largest); and #31 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.79% net worth ratio and 0.48% delinquency rate are the key drivers.
How does CGR compare to other credit unions?
CGR scores 81/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like CGR 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. CGR's net worth ratio of 21.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CGR offer compared to banks?
Credit unions like CGR 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 CGR 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.