State credit union · Atlanta, Georgia · NCUA charter #67383
Credit Union of Atlanta
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $79.7M
- Total assets
- 14,241
- Members
- 13.7%
- Net-worth ratio
Credit Union of Atlanta - Share Insurance Coverage
Charter #67383'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.
Credit Union of Atlanta - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)43
- Earnings (ROA)81
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.70% | 30% |
| Delinquency Rate | 2.27% | 25% |
| Return on Assets | 0.31% | 15% |
| Member Growth | 0.06% | 15% |
| Loan-to-Share Ratio | 70.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $79.7M | 14,241 |
| 2024Q4 | $78.6M | 14,233 |
| 2023Q4 | $80.1M | 14,129 |
Credit Union Details
- Charter Number
- 67383
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Georgia
- City
- Atlanta
- Data Quarter
- 2025Q4
What This Data Says About Credit Union of Atlanta
Headquartered in Atlanta, Georgia, Credit Union of Atlanta is a state credit union with 14,241 members, $79.7M in total assets, and $48.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 13.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67383 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.27% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 70.06% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.31% on net income of $246K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.06%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Credit Union of Atlanta financially healthy?
Credit Union of Atlanta scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.70% net worth ratio and a 2.27% delinquency rate.
How does Credit Union of Atlanta compare to other credit unions?
PlainCU's health composite puts Credit Union of Atlanta at 77/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Credit Union of Atlanta?
Membership eligibility for Credit Union of Atlanta depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of Atlanta directly for current membership requirements and application steps.
Is my money safe at Credit Union of Atlanta?
Federal credit unions like Credit Union of Atlanta 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. Credit Union of Atlanta's net worth ratio of 13.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Atlanta offer compared to banks?
Credit unions like Credit Union of Atlanta 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 Credit Union of Atlanta directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.