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
Call Report peers
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Georgia Guard vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Georgia Guard sits in 35-39 with 14 others.
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
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).
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.
- No scored Georgia credit union ranks lower; the next one up, BEKA (#73) scores 52/100, 17 points higher.
Georgia Guard: 2025Q4 → 2026Q1
Georgia Guard: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -9.0% from $3.7M (2025Q4) to $3.4M (2026Q1).
- Net-worth ratio shifted -4.31 pp (9.51% → 5.20%).
At 5.20%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 35/100 score is built
Georgia Guard gives up 65 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Georgia Guard financially healthy?
Georgia Guard has a financial health score of 35/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,358 of 4,374 nationally on health and #74 of 74 in Georgia. Its net worth ratio is 5.20% and its delinquency rate 6.83%.
How does Georgia Guard compare to other credit unions?
Georgia Guard scores 35/100, higher than 0% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (72.25% vs 63.60%). Its widest shortfall is net worth ratio (5.20% vs 19.06%).
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?
Georgia Guard is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.