State credit union · MACON, Georgia · NCUA charter #68291
Georgia Guard
Health score 35/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 35
- Health / 100
- $3.7M
- Total assets
- 704
- Members
- 5.2%
- Net-worth ratio
Georgia Guard scores 35/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.7M; members 704; net-worth ratio 5.20%; health rank #4,358 of 4,374; healthier than 0th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,358 of 4,374 health · 2025Q4Georgia Guard · health 35/100 · $3.7M · 2025Q4
- NW 35/100
- DELQ 5.2%
- ROA 6.83%
- ASSETS -1.40%
- MEM $3.7M
- RANK 704
- PHOTO #4,358/4,374
- BOOK n/a
- CHARTER 68291
Call Report peers
Georgia Guard carries $3.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Georgia Guard 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
35 0th percentile in the bottom 1% 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
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.
Where Georgia Guard diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 72.25% here, 63.60% peer average (+8.65 pp).
- Largest lag: Net Worth Ratio at 5.20% vs peer 19.06% (-13.86 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia Guard: in-state Call Report ranks
- Georgia health ordinal: #74 of 74.
- Assets rank #65 of 74 inside Georgia ($3.7M reported).
- Georgia membership ordinal: #62 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Georgia Guard: 2025Q4 → 2026Q1
Georgia Guard: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -9.0% from $3.7M (2025Q4) to $3.4M (2026Q1).
- Net-worth ratio shifted -4.31 pp (9.51% → 5.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 5.20%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 35/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 35.
- Net Worth Ratio 13.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 15.0 pts
Georgia Guard health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 5.20% | -13.86 pp |
| Delinquency Rate | 6.83% | +5.02 pp |
| Return on Assets | -1.40% | -1.86 pp |
| Member Growth | -1.12% | - |
| Loan-to-Share Ratio | 72.25% | +8.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Georgia Guard quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.4M | - |
| 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
Branch Location
Georgia Guard operates a single office in Macon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Macon-Main Office (Main Office) | Macon, 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.
Cross-state Call Report peers for Georgia Guard
Georgia Guard's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (35/100 here).
Using this data
- Georgia Guard ranks #4,358 of 4,374 nationally on financial health and #74 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Neighborhood is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Neighborhood
- 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 Georgia Guard financially healthy?
A 5.20% net worth ratio and a 6.83% delinquency rate feed into Georgia Guard's financial health score of 35/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,358 of 4,374; by total assets it ranks #3,986 of 4,374 nationally (same basis as /rankings/largest); and #65 of 74 within Georgia. 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 35/100 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 5.20% is relative to 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.
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.