State credit union · Atlanta, Georgia · NCUA charter #67390
Georgia's Own
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $4.38B
- Total assets
- 240,374
- Members
- 8.0%
- Net-worth ratio
Georgia's Own - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67390: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Georgia's Own - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)84
- Asset quality (delinquency)51
- Earnings (ROA)11
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.04% | 30% |
| Delinquency Rate | 1.98% | 25% |
| Return on Assets | -0.32% | 15% |
| Member Growth | -0.02% | 15% |
| Loan-to-Share Ratio | 85.95% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.38B | 240,374 |
| 2024Q4 | $4.19B | 240,428 |
| 2023Q4 | $4.28B | 240,650 |
Credit Union Details
- Charter Number
- 67390
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Georgia
- City
- Atlanta
- Data Quarter
- 2025Q4
What This Data Says About Georgia's Own
240,374 members and $4.38B in total assets sit behind Georgia's Own, a state credit union in Atlanta, Georgia, which posts a health score of 63/100 (Good) on the five-factor composite, with $3.14B in outstanding loans as of Q4 2025 and a net worth ratio of 8.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67390 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.98% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 85.95% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.32% on net income of $-14194430 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.02%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Georgia's Own financially healthy?
Yes/no aside, the number is 63/100 (Good) - Georgia's Own's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.04% net worth ratio and 1.98% delinquency rate are the key drivers.
How does Georgia's Own compare to other credit unions?
On PlainCU's health composite, Georgia's Own lands at 63/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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's Own?
Membership eligibility for Georgia's Own depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Georgia's Own directly for current membership requirements and application steps.
Is my money safe at Georgia's Own?
Federal credit unions like Georgia's Own 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's Own's net worth ratio of 8.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Georgia's Own offer compared to banks?
Credit unions like Georgia's Own 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's Own directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.