State credit union · Atlanta, Georgia · NCUA charter #67390
Georgia's Own
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $4.38B
- Total assets
- 240,374
- Members
- 10.3%
- Net-worth ratio
Georgia's Own scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.38B; members 240,374; net-worth ratio 10.28%; health rank #3,723 of 4,374; healthier than 15th of scored peers.
Federal Call Report extract
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Georgia's Own vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Georgia's Own sits in 65-69 with 275 others.
68 15th percentile higher than 15% 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's Own vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 85.95% here, 83.90% peer average (+2.05 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.11 pp (1.98% vs 0.87%).
Georgia's Own in Georgia
- In Georgia, health place is #66 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, Georgia's Own is #3 of 74 in Georgia.
- Georgia membership ordinal: #3 of 74.
- One place up in Georgia, LOCOGA (#65) scores 69/100, 1 point higher; one place down, Savannah Postal (#67) scores 67/100, 1 point lower.
Quarter path for Georgia's Own
Georgia's Own: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $4.38B (2025Q4) to $4.33B (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.61% → 10.28%).
At 10.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Georgia's Own gives up 32 points in total. Return on Assets costs the most, 13.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.6 pts
- Return on Assets 1.6 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 14.8 pts
Georgia's Own vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.28% | -0.90 pp |
| Delinquency Rate | 1.98% | +1.11 pp |
| Return on Assets | -0.32% | -0.83 pp |
| Member Growth | -0.02% | - |
| Loan-to-Share Ratio | 85.95% | +2.05 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Georgia's Own
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.33B | - |
| 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
Branch Locations (30)
Georgia's Own operates 30 offices across 26 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Office (Main Office) | Atlanta, GA |
| SW Region - East Albany | Albany, GA |
| SW Region - Main Office | Albany, GA |
| Alpharetta Branch | Alpharetta, GA |
| North Fulton | Alpharetta, GA |
| SW Region - Americus | Americus, GA |
| Midtown Branch | Atlanta, GA |
| Perimeter | Atlanta, GA |
| East Region - Augusta Branch | Augusta, GA |
| SW Region - Bainbridge | Bainbridge, GA |
| SE Region - Blackshear Branch | Blackshear, GA |
| Buford | Buford, GA |
| Conyers | Conyers, GA |
| Douglasville Branch | Douglasville, GA |
| SE Region - Eastman Branch | Eastman, GA |
| East Region - Evans Branch | Evans, GA |
| Fayetteville Branch | Fayetteville, GA |
| SE Region - Folkston Branch | Folkston, GA |
| Gainesville Branch | Gainesville, GA |
| Grayson | Grayson, GA |
| SE Region - Kingsland Branch | Kingsland, GA |
| Lilburn Branch | Lilburn, GA |
| Marietta Branch | Marietta, GA |
| Morrow Branch | Morrow, GA |
| SW Region - Moultrie | Moultrie, GA |
| Roswell | Roswell, GA |
| SE Region - Savannah - Mall Blvd. | Savannah, GA |
| Smyrna | Smyrna, GA |
| Northlake Branch | Tucker, GA |
| SE Region - Waycross Branch | Waycross, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Other-state peers near Georgia's Own
Using this data
- Georgia's Own ranks #3,723 of 4,374 nationally on financial health and #66 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Robins Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Robins Financial
Frequently Asked Questions
Is Georgia's Own financially healthy?
On its 2025Q4 NCUA 5300 filing, Georgia's Own scores 68/100 (Good), with a 10.28% net worth ratio and 1.98% of loans delinquent. It ranks #3,723 of 4,374 nationally on health and #66 of 74 in Georgia.
How does Georgia's Own compare to other credit unions?
Georgia's Own scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.95% vs 83.90%). Its widest shortfall is delinquency rate (1.98% vs 0.87%).
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?
Georgia's Own 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's Own's net worth ratio of 10.28% 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.