State credit union · Woodstock, Georgia · NCUA charter #68571
Credit Union of Georgia
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $732.6M
- Total assets
- 36,459
- Members
- 10.0%
- Net-worth ratio
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.
Credit Union of Georgia - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth75
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.98% 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 | 9.98% | 30% |
| Delinquency Rate | 0.80% | 25% |
| Return on Assets | 1.00% | 15% |
| Member Growth | 1.85% | 15% |
| Loan-to-Share Ratio | 79.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Credit Union of Georgia
Credit Union of Georgia is a state credit union headquartered in Woodstock, Georgia, serving 36,459 members with $732.6M in total assets and $511.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 93/100 (Excellent), anchored by a net worth ratio of 9.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68571 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.80% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 79.93% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.00% on net income of $7.3M 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 1.85%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.98% 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 9.98% 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.
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.