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
NCUA 5300 Call Report Masthead
#3,723 of 4,374 health · 2025Q4Georgia's Own · health 68/100 · $4.38B · 2025Q4
- NCUSIF 68/100
- CAMELS 10.3%
- HEALTH 1.98%
- NW -0.32%
- DELQ $4.38B
- ROA 240,374
- ASSETS #3,723/4,374
- MEM SAFE
- RANK 67390
Georgia's Own in the assets neighbourhood
Georgia's Own's $4.38B assets sit next to SAFE ($4.40B) 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's Own 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
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 - 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 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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Georgia's Own
Georgia's Own: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $4.38B (2025Q4) to $4.33B (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.61% → 10.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
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'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
Georgia's Own's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.38B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- 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's Own financially healthy?
Yes/no aside, the number is 68/100 (Good) - Georgia's Own's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,723 of 4,374; by total assets it ranks #112 of 4,374 nationally (same basis as /rankings/largest); and #3 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.28% 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 68/100, 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 10.28% 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.
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.