Federal credit union · Atlanta, Georgia · NCUA charter #383
On the Grid Financial
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $43.6M
- Total assets
- 3,953
- Members
- 13.6%
- Net-worth ratio
On the Grid Financial scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.6M; members 3,953; net-worth ratio 13.60%; health rank #2,259 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
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On the Grid Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); On the Grid Financial sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
On the Grid Financial: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.70 pp (0.44% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.53 pp (49.27% vs 59.80%).
On the Grid Financial in Georgia
- Georgia health ordinal: #34 of 74.
- Georgia assets place: #38 of 74.
- Membership ranks #37 of 74 among Georgia CUs with a reported count (3,953 members).
- One place up in Georgia, Genuine Parts (#33) scores 84/100, 1 point higher; one place down, The Southern (#35) ties at 83/100.
On the Grid Financial Call Report trajectory
On the Grid Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.1% from $43.6M (2025Q4) to $46.3M (2026Q1).
- Net-worth ratio shifted -0.82 pp (14.42% → 13.60%).
13.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
On the Grid Financial gives up 17 points in total. Member Growth costs the most, 12.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 10.7 pts
On the Grid Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.60% | -1.26 pp |
| Delinquency Rate | 0.44% | -0.70 pp |
| Return on Assets | 0.65% | -0.05 pp |
| Member Growth | -3.73% | - |
| Loan-to-Share Ratio | 49.27% | -10.53 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - On the Grid Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.3M | - |
| 2025Q4 | $43.6M | 3,953 |
| 2024Q4 | $43.8M | 4,106 |
| 2023Q4 | $44.3M | 4,301 |
Credit Union Details
- Charter Number
- 383
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Atlanta
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for On the Grid Financial.
| Office | City |
|---|---|
| North Atlanta Branch (Main Office) | Atlanta, 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.
Cross-state Call Report peers for On the Grid Financial
Similar total assets
Similar health score
Using this data
- On the Grid Financial ranks #2,259 of 4,374 nationally on financial health and #34 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B.O.N.D. Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B.O.N.D. Community
Frequently Asked Questions
Is On the Grid Financial financially healthy?
On the Grid Financial has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,259 of 4,374 nationally on health and #34 of 74 in Georgia. Its net worth ratio is 13.60% and its delinquency rate 0.44%.
How does On the Grid Financial compare to other credit unions?
On the Grid Financial scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.44% vs 1.15%). Its widest shortfall is loan-to-share ratio (49.27% vs 59.80%).
How can I join On the Grid Financial?
On the Grid Financial 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 On the Grid Financial directly for the exact boundaries and application steps.
Is my money safe at On the Grid Financial?
On the Grid Financial 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. On the Grid Financial's net worth ratio of 13.60% 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.