Federal credit union · COLUMBUS, Georgia · NCUA charter #376
Regional Members
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $9.0M
- Total assets
- 1,250
- Members
- 13.3%
- Net-worth ratio
Regional Members scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.0M; members 1,250; net-worth ratio 13.31%; health rank #3,266 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,266 of 4,374 health · 2025Q4Regional Members · health 75/100 · $9.0M · 2025Q4
- CHARTER 75/100
- NCUSIF 13.3%
- CAMELS 2.65%
- HEALTH 1.54%
- NW $9.0M
- DELQ 1,250
- ROA #3,266/4,374
- ASSETS n/a
- MEM 376
Call Report peers
Regional Members carries $9.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Regional Members 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
75 24th percentile higher than 24% 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
Regional Members - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #376, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Regional Members: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 75.07% vs peer 63.60% (+11.47 pp).
- Net Worth Ratio trails the peer set - 13.31% here, 19.06% peer average (-5.75 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia standing for Regional Members
- Georgia health ordinal: #55 of 74.
- Georgia assets place: #56 of 74.
- Georgia membership ordinal: #56 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.
Quarter path for Regional Members
Regional Members: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $9.0M (2025Q4) to $9.4M (2026Q1).
- Net-worth ratio shifted -1.04 pp (14.35% → 13.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 14.8 pts
Regional Members vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.31% | -5.75 pp |
| Delinquency Rate | 2.65% | +0.84 pp |
| Return on Assets | 1.54% | +1.09 pp |
| Member Growth | -1.26% | - |
| Loan-to-Share Ratio | 75.07% | +11.47 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Regional Members quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.4M | - |
| 2025Q4 | $9.0M | 1,250 |
| 2024Q4 | $9.2M | 1,266 |
| 2023Q4 | $9.8M | 1,276 |
Credit Union Details
- Charter Number
- 376
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- COLUMBUS
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Regional Members.
| Office | City |
|---|---|
| REGIONAL MEMBERS FCU (Main Office) | COLUMBUS, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Other-state peers near Regional Members
Cross-state asset and health neighbours for Regional Members - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Regional Members ranks #3,266 of 4,374 nationally on financial health and #55 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Colquitt County Teacher is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Colquitt County Teacher
- 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 Regional Members financially healthy?
Regional Members scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,266 of 4,374; by total assets it ranks #3,605 of 4,374 nationally (same basis as /rankings/largest); and #56 of 74 within Georgia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.31% net worth ratio and a 2.65% delinquency rate.
How does Regional Members compare to other credit unions?
75/100 is Regional Members's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Regional Members?
Regional Members 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 Regional Members directly for the exact boundaries and application steps.
Is my money safe at Regional Members?
Federal credit unions like Regional Members 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. Regional Members's net worth ratio of 13.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Regional Members offer compared to banks?
Credit unions like Regional Members 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 Regional Members 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.