State credit union · DULUTH, Georgia · NCUA charter #68607
Georgia United
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $2.42B
- Total assets
- 157,263
- Members
- 11.0%
- Net-worth ratio
Georgia United scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.42B; members 157,263; net-worth ratio 11.03%; health rank #276 of 4,374; healthier than 93rd of scored peers.
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#276 of 4,374 health · 2025Q4Georgia United · health 96/100 · $2.42B · 2025Q4
Call Report peers
Georgia United in the assets neighbourhood
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Georgia United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Georgia United sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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 United vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +1.78 pp (85.68% vs 83.90%).
- Largest lag: Net Worth Ratio at 11.03% vs peer 11.18% (-0.15 pp).
Georgia United: in-state Call Report ranks
- In Georgia, health place is #8 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #5 of 74 inside Georgia ($2.42B reported).
- Membership ranks #5 of 74 among Georgia CUs with a reported count (157,263 members).
- One place up in Georgia, Go Energy Financial (#7) ties at 96/100; one place down, Harris Employees (#9) scores 95/100, 1 point lower.
How Georgia United's 5300 filing moved
Georgia United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $2.42B (2025Q4) to $2.50B (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.05% → 11.03%).
At 11.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Georgia United gives up 4 points in total. Delinquency Rate costs the most, 4 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.03% | -0.15 pp |
| Delinquency Rate | 0.90% | +0.03 pp |
| Return on Assets | 0.74% | +0.23 pp |
| Member Growth | 5.17% | - |
| Loan-to-Share Ratio | 85.68% | +1.78 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Georgia United
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.50B | - |
| 2025Q4 | $2.42B | 157,263 |
| 2024Q4 | $2.27B | 149,535 |
| 2023Q4 | $2.12B | 148,789 |
Credit Union Details
- Charter Number
- 68607
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- DULUTH
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for Georgia United, spread across 14 cities.
| Office | City |
|---|---|
| Sugarloaf Office (Main Office) | Duluth, GA |
| Athens Office | Athens, GA |
| Atlanta Office | Atlanta, GA |
| Cartersville | Cartersville, GA |
| Chamblee Office | Chamblee, GA |
| Clarkston Office | Clarkston, GA |
| Conyers Office | Conyers, GA |
| Cornelia Office | Cornelia, GA |
| Cumming Office | Cumming, GA |
| Dalton - Calhoun St | Dalton, GA |
| Decatur Office | Decatur, GA |
| Dublin Office | Dublin, GA |
| Gwinnett Office | Duluth, GA |
| Stockbridge Office | Stockbridge, GA |
| Tucker Office | Tucker, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Georgia United
Using this data
- Georgia United ranks #276 of 4,374 nationally on financial health and #8 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lge Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lge Community
Frequently Asked Questions
Is Georgia United financially healthy?
On its 2025Q4 NCUA 5300 filing, Georgia United scores 96/100 (Excellent), with a 11.03% net worth ratio and 0.90% of loans delinquent. It ranks #276 of 4,374 nationally on health and #8 of 74 in Georgia.
How does Georgia United compare to other credit unions?
Georgia United scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.68% vs 83.90%). Its widest shortfall is net worth ratio (11.03% vs 11.18%).
How can I join Georgia United?
Membership eligibility for Georgia United depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Georgia United directly for current membership requirements and application steps.
Is my money safe at Georgia United?
Georgia United 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 United's net worth ratio of 11.03% 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.