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
Call Report peers
Peach State in the assets neighbourhood
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
Peach State sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in Georgia, Midsouth Community (#25) scores 90/100, 1 point higher; one place down, LANIER (#27) ties at 89/100.
Peach State: 2025Q4 → 2026Q1
Peach State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $1.09B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted +0.14 pp (8.89% → 9.03%).
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
Peach State gives up 11 points in total. Member Growth costs the most, 8.4 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Peach State financially healthy?
On its 2025Q4 NCUA 5300 filing, Peach State scores 89/100 (Excellent), with a 9.03% net worth ratio and 0.46% of loans delinquent. It ranks #1,344 of 4,374 nationally on health and #26 of 74 in Georgia.
How does Peach State compare to other credit unions?
Peach State scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.46% vs 0.87%). Its widest shortfall is loan-to-share ratio (75.08% vs 83.90%).
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?
Peach State 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. Peach State's net worth ratio of 9.03% 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.