State credit union · Gainesville, Georgia · NCUA charter #68602

MYGEORGIA

Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

98
Health / 100
$243.4M
Total assets
20,399
Members
10.9%
Net-worth ratio
A Letter grade on the five-factor composite

MYGEORGIA scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $243.4M; members 20,399; net-worth ratio 10.89%; health rank #116 of 4,374; healthier than 97th of scored peers.

NCUA Call Report stamp band

NCUA 5300 Call Report Masthead

#116 of 4,374 health · 2025Q4

MYGEORGIA · health 98/100 · $243.4M · 2025Q4

  • HEALTH 98/100
  • NW 10.9%
  • DELQ 0.69%
  • ROA 1.15%
  • ASSETS $243.4M
  • MEM 20,399
  • RANK #116/4,374
  • PHOTO MC
  • BOOK 68602

MYGEORGIA in the assets neighbourhood

CACL$243.6MMC$243.5MMYGEORGIA (this)$243.4MBOSSIER$242.8MThe Family$242.2MIllinois State$242.1M
Nearest other-state credit unions by total assets (NCUA 5300)

MYGEORGIA's $243.4M assets sit next to MC ($243.5M) 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.

MYGEORGIA 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

98 Top 3% higher than 97% 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

MYGEORGIA - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #68602: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for MYGEORGIA Share insurance under NCUSIF covers up to $250,000 per share owner. MYGEORGIA holds approximately $211.6M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 10.9 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 10.9% · $211.6M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Where MYGEORGIA diverges from peer averages

  • Loan-to-Share Ratio leads the peer set - 73.07% here, 72.20% peer average (+0.87 pp).
  • Largest lag: Net Worth Ratio at 10.89% vs peer 12.11% (-1.22 pp).

Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

MYGEORGIA in Georgia

  • In Georgia, health place is #3 of 74 on the same NCUA-ratio sort used nationally.
  • Georgia assets place: #21 of 74.
  • Member book place in Georgia: #19 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.

MYGEORGIA Call Report trajectory

MYGEORGIA: total assets by quarter

4 Call Report filings on this page's own vintage chain

200,000,000220,000,000240,000,000260,000,000280,000,000 2023Q42024Q42025Q42026Q1 208,508,556 256,468,410 ▲ +23.0%
  • Assets moved +5.4% from $243.4M (2025Q4) to $256.5M (2026Q1).
  • Net-worth ratio shifted -0.41 pp (11.30% → 10.89%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 72.6%

10.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 98/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 98.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 23.1 pts
  • Return on Assets 15.0 pts
  • Member Growth 14.7 pts
  • Loan-to-Share Ratio 15.2 pts

Call Report ratios for MYGEORGIA

Metric Value vs peer
Net Worth Ratio 10.89% -1.22 pp
Delinquency Rate 0.69% -0.21 pp
Return on Assets 1.15% +0.53 pp
Member Growth 4.78% -
Loan-to-Share Ratio 73.07% +0.87 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).

Call Report history - MYGEORGIA

Quarter Assets Members
2026Q1 $256.5M -
2025Q4 $243.4M 20,399
2024Q4 $217.2M 19,469
2023Q4 $208.5M 20,382

Credit Union Details

Charter Number
68602
Type
State
Field of Membership
Other
Peer Group
$100M–$500M
State
Georgia
City
Gainesville
Data Quarter
2025Q4

Branch Locations (9)

MYGEORGIA operates 9 offices across 8 cities, per its most recent NCUA branch filing.

Office City
MyGeorgia Credit Union (Main Office) Gainesville, GA
Athens Branch Athens, GA
Clarkesville Branch Clarkesville, GA
Clayton Branch Clayton, GA
Cleveland Branch cleveland, GA
Flowery Branch Flowery Branch, GA
Oakwood Branch Gainesville, GA
Homer Branch Homer, GA
Jefferson Branch Jefferson, GA

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

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.

Compare MYGEORGIA vs GEOVISTA

Other-state peers near MYGEORGIA

MYGEORGIA's nationwide photo peers by assets and by health score, excluding Georgia charters.

Similar health score

Nearest other-state credit unions by five-factor health composite (98/100 here).

Using this data

  • MYGEORGIA ranks #116 of 4,374 nationally on financial health and #3 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • GEOVISTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GEOVISTA
  • 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 MYGEORGIA financially healthy?

MYGEORGIA has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #116 of 4,374; by total assets it ranks #1,161 of 4,374 nationally (same basis as /rankings/largest); and #21 of 74 within Georgia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.89% and delinquency rate of 0.69%.

How does MYGEORGIA compare to other credit unions?

MYGEORGIA scores 98/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 MYGEORGIA?

Membership eligibility for MYGEORGIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MYGEORGIA directly for current membership requirements and application steps.

Is my money safe at MYGEORGIA?

Federal credit unions like MYGEORGIA 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. MYGEORGIA's net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does MYGEORGIA offer compared to banks?

Credit unions like MYGEORGIA 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 MYGEORGIA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sourced from the NCUA 5300 Call Report (2025Q4) for MYGEORGIA. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.