Federal credit union · Duluth, Georgia · NCUA charter #24631
PLATINUM
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $347.4M
- Total assets
- 13,500
- Members
- 10.4%
- Net-worth ratio
PLATINUM scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $347.4M; members 13,500; net-worth ratio 10.37%; health rank #66 of 4,374; healthier than 98th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#66 of 4,374 health · 2025Q4PLATINUM · health 99/100 · $347.4M · 2025Q4
Call Report peers
PLATINUM in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PLATINUM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PLATINUM sits in 95-99 with 391 others.
99 Top 2% higher than 98% 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
PLATINUM vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 82.28% vs peer 72.20% (+10.08 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.74 pp (10.37% vs 12.11%).
Where PLATINUM sits in Georgia
- Health composite ranks #2 of 74 among scored Georgia credit unions.
- Georgia assets place: #18 of 74.
- Georgia membership ordinal: #25 of 74.
- One place up in Georgia, COCA-COLA (#1) ties at 99/100; one place down, MYGEORGIA (#3) scores 98/100, 1 point lower.
How PLATINUM's 5300 filing moved
PLATINUM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +12.2% from $347.4M (2025Q4) to $389.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.42% → 10.37%).
At 10.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
PLATINUM gives up 1 points in total. Delinquency Rate costs the most, 1.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.37% | -1.74 pp |
| Delinquency Rate | 0.63% | -0.27 pp |
| Return on Assets | 1.38% | +0.75 pp |
| Member Growth | 8.76% | - |
| Loan-to-Share Ratio | 82.28% | +10.08 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PLATINUM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $389.9M | - |
| 2025Q4 | $347.4M | 13,500 |
| 2024Q4 | $320.0M | 12,413 |
| 2023Q4 | $280.7M | 11,464 |
Credit Union Details
- Charter Number
- 24631
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Duluth
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for PLATINUM, spread across 6 cities in 3 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Duluth, GA |
| Decatur Branch | Decatur, GA |
| SUGARLOAF BRANCH | DULUTH, GA |
| Alabama Branch | Hoover, AL |
| Lilburn Branch | Lilburn, GA |
| Orlando Branch | Orlando, FL |
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 PLATINUM
Using this data
- PLATINUM ranks #66 of 4,374 nationally on financial health and #2 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INTERSTATE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INTERSTATE
Frequently Asked Questions
Is PLATINUM financially healthy?
PLATINUM has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #66 of 4,374 nationally on health and #2 of 74 in Georgia. Its net worth ratio is 10.37% and its delinquency rate 0.63%.
How does PLATINUM compare to other credit unions?
PLATINUM scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.28% vs 72.20%). Its widest shortfall is net worth ratio (10.37% vs 12.11%).
How can I join PLATINUM?
PLATINUM 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 PLATINUM directly for the exact boundaries and application steps.
Is my money safe at PLATINUM?
PLATINUM 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. PLATINUM's net worth ratio of 10.37% 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.