State credit union · Rome, Georgia · NCUA charter #68683
Coosa Valley
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $716.8M
- Total assets
- 51,098
- Members
- 9.5%
- Net-worth ratio
Coosa Valley scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $716.8M; members 51,098; net-worth ratio 9.52%; health rank #1,004 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,004 of 4,374 health · 2025Q4Coosa Valley · health 91/100 · $716.8M · 2025Q4
- PHOTO 91/100
- BOOK 9.5%
- CHARTER 0.69%
- NCUSIF 0.62%
- CAMELS $716.8M
- HEALTH 51,098
- NW #1,004/4,374
- DELQ Superior Choice
- ROA 68683
Call Report peers
Coosa Valley in the assets neighbourhood
Coosa Valley's $716.8M assets sit next to Superior Choice ($717.6M) 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.
Coosa Valley 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
91 Top 23% higher than 77% 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
Coosa Valley - Share Insurance Coverage
Charter #68683's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Coosa Valley
- Loan-to-Share Ratio leads the peer set - 84.63% here, 83.90% peer average (+0.73 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.66 pp (9.52% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Coosa Valley: in-state Call Report ranks
- Health composite ranks #23 of 74 among scored Georgia credit unions.
- By total assets, Coosa Valley is #10 of 74 in Georgia.
- Membership ranks #9 of 74 among Georgia CUs with a reported count (51,098 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Coosa Valley Call Report trajectory
Coosa Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $716.8M (2025Q4) to $746.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.53% → 9.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.5 pts
Coosa Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.52% | -1.66 pp |
| Delinquency Rate | 0.69% | -0.18 pp |
| Return on Assets | 0.62% | +0.11 pp |
| Member Growth | 0.51% | - |
| Loan-to-Share Ratio | 84.63% | +0.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Coosa Valley
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $746.2M | - |
| 2025Q4 | $716.8M | 51,098 |
| 2024Q4 | $677.8M | 50,837 |
| 2023Q4 | $634.7M | 49,710 |
Credit Union Details
- Charter Number
- 68683
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- Rome
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Coosa Valley runs 12 offices in 9 different cities.
| Office | City |
|---|---|
| Admin Office (Main Office) | Rome, GA |
| Calhoun Branch | Calhoun, GA |
| Canton Branch | Canton, GA |
| Cartersville Office | Cartersville, GA |
| West Cartersville | Cartersville, GA |
| Cedartown Office | Cedartown, GA |
| Dallas Office | Dallas, GA |
| Fort Oglethorpe Branch | Fort Oglethorpe, GA |
| ROCKMART | Rockmart, GA |
| East Rome Branch | Rome, GA |
| Main Branch | Rome, GA |
| Woodstock Branch | Woodstock, 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.
Other-state peers near Coosa Valley
Cross-state asset and health neighbours for Coosa Valley - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($716.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Coosa Valley ranks #1,004 of 4,374 nationally on financial health and #23 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Union of Georgia is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Union of 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 Coosa Valley financially healthy?
A 9.52% net worth ratio and a 0.69% delinquency rate feed into Coosa Valley's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,004 of 4,374; by total assets it ranks #604 of 4,374 nationally (same basis as /rankings/largest); and #10 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Coosa Valley compare to other credit unions?
On PlainCU's health composite, Coosa Valley lands at 91/100, compared to a peer group average for Over $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 Coosa Valley?
Membership eligibility for Coosa Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Coosa Valley directly for current membership requirements and application steps.
Is my money safe at Coosa Valley?
Federal credit unions like Coosa Valley 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. Coosa Valley's net worth ratio of 9.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coosa Valley offer compared to banks?
Credit unions like Coosa Valley 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 Coosa Valley 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.