State credit union · Woodstock, Georgia · NCUA charter #68571
Credit Union of Georgia
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $732.6M
- Total assets
- 36,459
- Members
- 10.3%
- Net-worth ratio
Credit Union of Georgia scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $732.6M; members 36,459; net-worth ratio 10.34%; health rank #672 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#672 of 4,374 health · 2025Q4Credit Union of Georgia · health 93/100 · $732.6M · 2025Q4
- CAMELS 93/100
- HEALTH 10.3%
- NW 0.80%
- DELQ 1.00%
- ROA $732.6M
- ASSETS 36,459
- MEM #672/4,374
- RANK Legacy Community
- PHOTO 68571
Call Report peers
Credit Union of Georgia in the assets neighbourhood
Credit Union of Georgia's $732.6M assets sit next to Legacy Community ($734.0M) 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.
Credit Union of Georgia 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
93 Top 16% higher than 84% 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
Credit Union of Georgia - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68571, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Credit Union of Georgia
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.49 pp (1.00% vs 0.51%).
- Largest lag: Loan-to-Share Ratio at 79.93% vs peer 83.90% (-3.97 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Credit Union of Georgia in Georgia
- Health composite ranks #18 of 74 among scored Georgia credit unions.
- By total assets, Credit Union of Georgia is #9 of 74 in Georgia.
- Membership ranks #12 of 74 among Georgia CUs with a reported count (36,459 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.
Credit Union of Georgia Call Report trajectory
Credit Union of Georgia: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $732.6M (2025Q4) to $760.8M (2026Q1).
- Net-worth ratio shifted +0.05 pp (10.29% → 10.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Credit Union of Georgia
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.34% | -0.84 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | 1.00% | +0.49 pp |
| Member Growth | 1.85% | - |
| Loan-to-Share Ratio | 79.93% | -3.97 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).
Credit Union of Georgia quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $760.8M | - |
| 2025Q4 | $732.6M | 36,459 |
| 2024Q4 | $673.0M | 35,796 |
| 2023Q4 | $633.2M | 36,283 |
Credit Union Details
- Charter Number
- 68571
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- Woodstock
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for Credit Union of Georgia, spread across 4 cities.
| Office | City |
|---|---|
| Towne Lake Branch (Main Office) | Woodstock, GA |
| Canton | Canton, GA |
| Hickory Flat | Canton, GA |
| Jiles Road Operations Center | Kennesaw, GA |
| Jiles Rd. | Kennesaw, GA |
| Marietta | Marietta, GA |
| Contact Center | Marietta, GA |
| West Cobb | Marietta, GA |
| Johnson Ferry | Marietta, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Credit Union of Georgia nationwide neighbourhoods
Credit Union of Georgia's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($732.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Credit Union of Georgia ranks #672 of 4,374 nationally on financial health and #18 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coosa Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coosa Valley
- 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 Credit Union of Georgia financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Credit Union of Georgia'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 #672 of 4,374; by total assets it ranks #593 of 4,374 nationally (same basis as /rankings/largest); and #9 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.34% net worth ratio and 0.80% delinquency rate are the key drivers.
How does Credit Union of Georgia compare to other credit unions?
On PlainCU's health composite, Credit Union of Georgia lands at 93/100, 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 Credit Union of Georgia?
Membership eligibility for Credit Union of Georgia 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 Georgia directly for current membership requirements and application steps.
Is my money safe at Credit Union of Georgia?
Federal credit unions like Credit Union of Georgia 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 Georgia's net worth ratio of 10.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Georgia offer compared to banks?
Credit unions like Credit Union of Georgia 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 Georgia 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.