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
- DELQ 99/100
- ROA 10.4%
- ASSETS 0.63%
- MEM 1.38%
- RANK $347.4M
- PHOTO 13,500
- BOOK #66/4,374
- CHARTER Solidarity Community
- NCUSIF 24631
Call Report peers
PLATINUM in the assets neighbourhood
PLATINUM's $347.4M assets sit next to Solidarity Community ($348.0M) 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.
PLATINUM 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24631 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How PLATINUM's 5300 filing moved
PLATINUM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +12.2% from $347.4M (2025Q4) to $389.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.42% → 10.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
PLATINUM's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($347.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
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
- 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 PLATINUM financially healthy?
PLATINUM has a financial health score of 99/100 (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 #66 of 4,374; by total assets it ranks #949 of 4,374 nationally (same basis as /rankings/largest); and #18 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 10.37% and delinquency rate of 0.63%.
How does PLATINUM compare to other credit unions?
Five weighted metrics from NCUA filings produce PLATINUM's 99/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like PLATINUM 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. PLATINUM's net worth ratio of 10.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PLATINUM offer compared to banks?
Credit unions like PLATINUM 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 PLATINUM 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.