Federal credit union · SAVANNAH, Georgia · NCUA charter #3800
Georgia Heritage
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $160.7M
- Total assets
- 15,164
- Members
- 10.6%
- Net-worth ratio
Georgia Heritage scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $160.7M; members 15,164; net-worth ratio 10.57%; health rank #664 of 4,374; healthier than 84th of scored peers.
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#664 of 4,374 health · 2025Q4Georgia Heritage · health 93/100 · $160.7M · 2025Q4
Call Report peers
Georgia Heritage in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Georgia Heritage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Georgia Heritage sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Georgia Heritage
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +1.07 pp (73.27% vs 72.20%).
- Largest lag: Net Worth Ratio at 10.57% vs peer 12.11% (-1.54 pp).
Georgia Heritage: in-state Call Report ranks
- Health composite ranks #17 of 74 among scored Georgia credit unions.
- By total assets, Georgia Heritage is #24 of 74 in Georgia.
- Georgia membership ordinal: #22 of 74.
- One place up in Georgia, Ware County School Employees (#16) ties at 93/100; one place down, Credit Union of Georgia (#18) ties at 93/100.
How Georgia Heritage's 5300 filing moved
Georgia Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $160.7M (2025Q4) to $158.7M (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.45% → 10.57%).
10.57% 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
Georgia Heritage gives up 7 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 13.9 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 15.5 pts
Georgia Heritage health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.57% | -1.54 pp |
| Delinquency Rate | 0.57% | -0.33 pp |
| Return on Assets | 0.43% | -0.20 pp |
| Member Growth | 0.26% | - |
| Loan-to-Share Ratio | 73.27% | +1.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $158.7M | - |
| 2025Q4 | $160.7M | 15,164 |
| 2024Q4 | $149.6M | 15,125 |
| 2023Q4 | $130.7M | 13,767 |
Credit Union Details
- Charter Number
- 3800
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- SAVANNAH
- Data Quarter
- 2025Q4
Branch Locations (4)
Georgia Heritage operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Savannah, GA |
| Pooler Branch | Pooler, GA |
| Rincon Branch | Rincon, GA |
| Stephenson Branch | Savannah, 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 Heritage
Similar total assets
Similar health score
Using this data
- Georgia Heritage ranks #664 of 4,374 nationally on financial health and #17 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EXCEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EXCEL
Frequently Asked Questions
Is Georgia Heritage financially healthy?
On its 2025Q4 NCUA 5300 filing, Georgia Heritage scores 93/100 (Excellent), with a 10.57% net worth ratio and 0.57% of loans delinquent. It ranks #664 of 4,374 nationally on health and #17 of 74 in Georgia.
How does Georgia Heritage compare to other credit unions?
Georgia Heritage scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.27% vs 72.20%). Its widest shortfall is net worth ratio (10.57% vs 12.11%).
How can I join Georgia Heritage?
Georgia Heritage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Georgia Heritage directly for the exact boundaries and application steps.
Is my money safe at Georgia Heritage?
Georgia Heritage is a federal 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 Heritage's net worth ratio of 10.57% exceeds 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.