State credit union · MACON, Georgia · NCUA charter #68291
Georgia Guard
Health score 51/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $3.7M
- Total assets
- 704
- Members
- 9.5%
- Net-worth ratio
Georgia Guard - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68291 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Georgia Guard - 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)96
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 51/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.51% | 30% |
| Delinquency Rate | 6.83% | 25% |
| Return on Assets | -1.40% | 15% |
| Member Growth | -1.12% | 15% |
| Loan-to-Share Ratio | 72.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.7M | 704 |
| 2024Q4 | $3.5M | 712 |
| 2023Q4 | $3.9M | 725 |
Credit Union Details
- Charter Number
- 68291
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- MACON
- Data Quarter
- 2025Q4
What This Data Says About Georgia Guard
Georgia Guard is a state credit union headquartered in MACON, Georgia, serving 704 members with $3.7M in total assets and $2.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 51/100 (Fair), anchored by a net worth ratio of 9.51% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68291 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 6.83% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 72.25% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.40% on net income of $-52516 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 -1.12%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Georgia Guard financially healthy?
A 9.51% net worth ratio and a 6.83% delinquency rate feed into Georgia Guard's financial health score of 51/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Georgia Guard compare to other credit unions?
Five weighted metrics from NCUA filings produce Georgia Guard's 51/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Georgia Guard?
Membership eligibility for Georgia Guard depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Georgia Guard directly for current membership requirements and application steps.
Is my money safe at Georgia Guard?
Federal credit unions like Georgia Guard 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. Georgia Guard's net worth ratio of 9.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Georgia Guard offer compared to banks?
Credit unions like Georgia Guard 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 Georgia Guard 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.