Federal credit union · Lawrenceville, Georgia · NCUA charter #14676
Peach State
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.09B
- Total assets
- 77,065
- Members
- 9.0%
- Net-worth ratio
Peach State scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.09B; members 77,065; net-worth ratio 9.03%; health rank #1,344 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,344 of 4,374 health · 2025Q4Peach State · health 89/100 · $1.09B · 2025Q4
- MEM 89/100
- RANK 9.0%
- PHOTO 0.46%
- BOOK 0.70%
- CHARTER $1.09B
- NCUSIF 77,065
- CAMELS #1,344/4,374
- HEALTH Christian Financial
- NW 14676
Call Report peers
Peach State in the assets neighbourhood
Peach State's $1.09B assets sit next to Christian Financial ($1.09B) 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.
Peach State 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
89 Top 31% higher than 69% 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
Peach State - Share Insurance Coverage
Charter #14676's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peach State vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.46% vs peer 0.87% (-0.41 pp).
- Largest lag: Loan-to-Share Ratio at 75.08% vs peer 83.90% (-8.82 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Peach State sits in Georgia
- In Georgia, health place is #26 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, Peach State is #8 of 74 in Georgia.
- Member book place in Georgia: #8 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.
Peach State: 2025Q4 → 2026Q1
Peach State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $1.09B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted +0.14 pp (8.89% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Peach State
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -2.15 pp |
| Delinquency Rate | 0.46% | -0.41 pp |
| Return on Assets | 0.70% | +0.19 pp |
| Member Growth | -1.33% | - |
| Loan-to-Share Ratio | 75.08% | -8.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Peach State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.11B | - |
| 2025Q4 | $1.09B | 77,065 |
| 2024Q4 | $1.05B | 78,105 |
| 2023Q4 | $963.3M | 69,975 |
Credit Union Details
- Charter Number
- 14676
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Georgia
- City
- Lawrenceville
- Data Quarter
- 2025Q4
Branch Locations (30)
Peach State operates 30 offices across 23 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lakes Parkway (Main Office) | Lawrenceville, GA |
| Abbeville | Abbeville, SC |
| Hawthorne | Athens, GA |
| Ben Mays | Atlanta, GA |
| Glenwood | Atlanta, GA |
| Gracewood | Augusta, GA |
| RCT Board of Education | Augusta, GA |
| Beech Island | Beech Island, SC |
| Carnesville | Carnesville, GA |
| Cornelia | Cornelia, GA |
| Panola Industrial | Decatur, GA |
| North Decatur Square | Decatur, GA |
| Putnam | Eatonton, GA |
| Evans | Evans, GA |
| Lakelands | Greenwood, SC |
| Jefferson | Jefferson, GA |
| Lafayette | La Fayette, GA |
| Lawrenceville | Lawrenceville, GA |
| Five Oaks | Lawrenceville, GA |
| Central Gwinnett High School | Lawrenceville, GA |
| Loganville | Loganville, GA |
| Monroe | Monroe, GA |
| Pickens | Pickens, SC |
| Suwanee | Suwanee, GA |
| ISC | Suwanee, GA |
| Liberty Hill | Toccoa, GA |
| Trion | Trion, GA |
| Oconee | Watkinsville, GA |
| Winder | Winder, GA |
| Young Harris | Young Harris, 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.
Other-state peers near Peach State
Peach State's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.09B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Peach State ranks #1,344 of 4,374 nationally on financial health and #26 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Union of Georgia is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Union of Georgia
- 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 Peach State financially healthy?
Peach State has a financial health score of 89/100 (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 #1,344 of 4,374; by total assets it ranks #437 of 4,374 nationally (same basis as /rankings/largest); and #8 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 9.03% and delinquency rate of 0.46%.
How does Peach State compare to other credit unions?
PlainCU's health composite puts Peach State at 89/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Peach State?
Peach State 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 Peach State directly for the exact boundaries and application steps.
Is my money safe at Peach State?
Federal credit unions like Peach State 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. Peach State's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peach State offer compared to banks?
Credit unions like Peach State 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 Peach State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.