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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#276 of 4,374 health · 2025Q4Georgia United · health 96/100 · $2.42B · 2025Q4
- PHOTO 96/100
- BOOK 11.0%
- CHARTER 0.90%
- NCUSIF 0.74%
- CAMELS $2.42B
- HEALTH 157,263
- NW #276/4,374
- DELQ Firefighters First
- ROA 68607
Call Report peers
Georgia United in the assets neighbourhood
Georgia United's $2.42B assets sit next to Firefighters First ($2.41B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Georgia United 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68607, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Georgia United's 5300 filing moved
Georgia United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $2.42B (2025Q4) to $2.50B (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.05% → 11.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Georgia United's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.42B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 United financially healthy?
Georgia United has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #276 of 4,374; by total assets it ranks #217 of 4,374 nationally (same basis as /rankings/largest); and #5 of 74 within Georgia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.03% and delinquency rate of 0.90%.
How does Georgia United compare to other credit unions?
PlainCU's health composite puts Georgia United at 96/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Georgia United 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 United's net worth ratio of 11.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Georgia United offer compared to banks?
Credit unions like Georgia United 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 United 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.