State credit union · TUCKER, Georgia · NCUA charter #68698
Go Energy Financial
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $147.2M
- Total assets
- 11,330
- Members
- 11.9%
- Net-worth ratio
Go Energy Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68698 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Go Energy Financial - 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)100
- Asset quality (delinquency)95
- Earnings (ROA)100
- Member growth79
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.87% | 30% |
| Delinquency Rate | 0.62% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 2.36% | 15% |
| Loan-to-Share Ratio | 81.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $147.2M | 11,330 |
| 2024Q4 | $141.7M | 11,069 |
| 2023Q4 | $143.4M | 11,185 |
Credit Union Details
- Charter Number
- 68698
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- TUCKER
- Data Quarter
- 2025Q4
What This Data Says About Go Energy Financial
The five-factor composite scores Go Energy Financial at 96/100 (Excellent), reflecting a net worth ratio of 11.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in TUCKER, Georgia, reports 11,330 members, $147.2M in total assets, and $104.8M in outstanding loans as of Q4 2025 under charter #68698 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 0.62% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 81.18% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.57% on net income of $844K 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 2.36%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Go Energy Financial financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Go Energy Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.87% net worth ratio and 0.62% delinquency rate are the key drivers.
How does Go Energy Financial compare to other credit unions?
96/100 is Go Energy Financial's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Go Energy Financial?
Membership eligibility for Go Energy Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Go Energy Financial directly for current membership requirements and application steps.
Is my money safe at Go Energy Financial?
Federal credit unions like Go Energy Financial 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. Go Energy Financial's net worth ratio of 11.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Go Energy Financial offer compared to banks?
Credit unions like Go Energy Financial 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 Go Energy Financial 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.