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
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 · 2025Q4MYGEORGIA · health 98/100 · $243.4M · 2025Q4
Call Report peers
MYGEORGIA in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MYGEORGIA sits in 95-99 with 391 others.
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
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).
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.
- One place up in Georgia, PLATINUM (#2) scores 99/100, 1 point higher; one place down, Delta Community (#4) scores 97/100, 1 point lower.
MYGEORGIA Call Report trajectory
MYGEORGIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $243.4M (2025Q4) to $256.5M (2026Q1).
- Net-worth ratio shifted -0.41 pp (11.30% → 10.89%).
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
MYGEORGIA gives up 2 points in total. Delinquency Rate costs the most, 1.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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.
Other-state peers near MYGEORGIA
Similar total assets
Similar health score
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
Frequently Asked Questions
Is MYGEORGIA financially healthy?
MYGEORGIA has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #116 of 4,374 nationally on health and #3 of 74 in Georgia. Its net worth ratio is 10.89% and its delinquency rate 0.69%.
How does MYGEORGIA compare to other credit unions?
MYGEORGIA scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.07% vs 72.20%). Its widest shortfall is net worth ratio (10.89% vs 12.11%).
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?
MYGEORGIA 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. MYGEORGIA's net worth ratio of 10.89% 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.