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
Call Report peers
Coosa Valley in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Coosa Valley sits in 90-94 with 747 others.
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
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%).
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).
- One place up in Georgia, Workmen's Circle Incorporated (#22) ties at 91/100; one place down, The Wright (#24) scores 90/100, 1 point lower.
Coosa Valley Call Report trajectory
Coosa Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $716.8M (2025Q4) to $746.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.53% → 9.52%).
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
Coosa Valley gives up 9 points in total. Member Growth costs the most, 5.4 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Coosa Valley financially healthy?
On its 2025Q4 NCUA 5300 filing, Coosa Valley scores 91/100 (Excellent), with a 9.52% net worth ratio and 0.69% of loans delinquent. It ranks #1,004 of 4,374 nationally on health and #23 of 74 in Georgia.
How does Coosa Valley compare to other credit unions?
Coosa Valley scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.63% vs 83.90%). Its widest shortfall is net worth ratio (9.52% vs 11.18%).
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?
Coosa Valley 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. Coosa Valley's net worth ratio of 9.52% 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.