Federal credit union · Rome, Georgia · NCUA charter #365
GP
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $143.7M
- Total assets
- 9,593
- Members
- 4.8%
- Net-worth ratio
GP scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.7M; members 9,593; net-worth ratio 4.82%; health rank #3,622 of 4,374; healthier than 17th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,622 of 4,374 health · 2025Q4GP · health 70/100 · $143.7M · 2025Q4
Call Report peers
GP in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GP vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GP sits in 70-74 with 317 others.
70 17th percentile higher than 17% 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
GP: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 76.23% vs peer 72.20% (+4.03 pp).
- Net Worth Ratio trails the peer set - 4.82% here, 12.11% peer average (-7.29 pp).
GP: in-state Call Report ranks
- Georgia health ordinal: #62 of 74.
- Georgia assets place: #27 of 74.
- Georgia membership ordinal: #33 of 74.
- One place up in Georgia, Combined Employees (#61) ties at 70/100; one place down, AFLAC (#63) scores 69/100, 1 point lower.
GP Call Report trajectory
GP: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved +3.4% from $139.0M (2024Q4) to $143.7M (2025Q4).
- Membership moved +10.1% from 8,716 to 9,593 over the same window.
- Net-worth ratio shifted -0.42 pp (5.24% → 4.82%).
4.82% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 70/100 score is built
GP gives up 30 points in total. Net Worth Ratio costs the most, 18 of its 30; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 12.1 pts
- Delinquency Rate 23.1 pts
- Return on Assets 4.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
GP health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.82% | -7.29 pp |
| Delinquency Rate | 0.69% | -0.21 pp |
| Return on Assets | 0.00% | -0.62 pp |
| Member Growth | 10.06% | - |
| Loan-to-Share Ratio | 76.23% | +4.03 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
GP quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $143.7M | 9,593 |
| 2024Q4 | $139.0M | 8,716 |
| 2023Q4 | $90.2M | 7,178 |
Credit Union Details
- Charter Number
- 365
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Rome
- Data Quarter
- 2025Q4
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 GP
Similar total assets
Using this data
- GP ranks #3,622 of 4,374 nationally on financial health and #62 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Go Energy Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Go Energy Financial
Frequently Asked Questions
Is GP financially healthy?
On its 2025Q4 NCUA 5300 filing, GP scores 70/100 (Very Good), with a 4.82% net worth ratio and 0.69% of loans delinquent. It ranks #3,622 of 4,374 nationally on health and #62 of 74 in Georgia.
How does GP compare to other credit unions?
GP scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.23% vs 72.20%). Its widest shortfall is net worth ratio (4.82% vs 12.11%).
How can I join GP?
GP operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GP directly for the exact boundaries and application steps.
Is my money safe at GP?
GP is a federal 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. GP's net worth ratio of 4.82% is relative to 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.