State overview · Q4 2025

Georgia Credit Unions

All 74 federally-insured credit unions in Georgia, ranked by financial health, from NCUA 5300 Call Reports.

74
Credit unions
2.3M
Members
$37.1B
Combined assets
82/100
Avg health
74 CUs · avg health 82/100

Georgia has 74 federally insured credit unions averaging 82/100 health on NCUA 5300 Call Report aggregates. Combined assets $37.1B; 47 score Excellent (80+). State leader: COCA-COLA at 99/100.

  • Mean delinquency rank #26 of 52 (lower DQ better)
  • Mean ROA rank #14 of 52
  • Data vintage 2026-09-06

Georgia vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

74 20th of 54 higher than 33 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Georgia's 74 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)47 CUsGood (60–79)24 CUsFair (40–59)2 CUsWeak (<40)1 CUs

Georgia Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 74 federally insured credit unions in Georgia, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.18%
National rank #26 of 52 · lower DQ better
Mean ROA
0.73%
National rank #14 of 52
Mean loan-to-share
72.9%
Mean net worth 16.0% · well-capitalized (≥7%) 97.3%
Largest CU share of state assets
24.1%
Dispersed book, largest charter holds under 25% of combined Georgia CU assets · concentration rank #27 of 52 (lower share = more dispersed) · largest by assets on this board: Delta Community

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Georgia is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Georgia vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Georgia highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Georgia vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%HI - 13.78%, 1.224%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%GA - 15.97%, 1.181%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Georgia highlighted.

All Credit Unions in Georgia

Credit Union Health
COCA-COLA ATLANTA 99
PLATINUM Duluth 99
MYGEORGIA Gainesville 98
Delta Community Atlanta 97
Lge Community Marietta 97
Georgia United DULUTH 96
Go Energy Financial TUCKER 96
INTERSTATE Jesup 96
Associated Credit Union NORCROSS 95
Coweta Cities & County Employees Newnan 95
Harris Employees Cordele 95
Rome Kraft Employees Coosa 95
Macon Firemen's MACON 94
Robins Financial Warner Robins 94
SOUTHEASTERN Valdosta 94
Credit Union of Georgia Woodstock 93
Georgia Heritage SAVANNAH 93
Ware County School Employees WAYCROSS 93
CORE Statesboro 92
E L C O Elberton 92
Coosa Valley Rome 91
Walker County Educators Chickamauga 91
Workmen's Circle Incorporated Savannah 91
Midsouth Community Macon 90
The Wright Toccoa 90
LANIER Oakwood 89
Peach State Lawrenceville 89
FLINT Reynolds 87
MERCY Savannah 87
Omega Psi Phi Fraternity Toccoa 87
MEMBERSFIRST Decatur 86
North Georgia Toccoa 85
Genuine Parts Norcross 84
Faith Connection Marietta 83
On the Grid Financial Atlanta 83
The Southern Fayetteville 83
ALTAMAHA Jesup 82
CDC Atlanta 82
KINETIC Columbus 82
Valdosta Teachers Valdosta 82
Atlanta Postal Atlanta 81
CGR Macon 81
Georgia Power Valdosta Valdosta 81
Colquitt County Teacher Moultrie 80
MARSHLAND Brunswick 80
NORTHSIDE ATLANTA 80
Savannah Schools SAVANNAH 80
Glynn County Federal Employees BRUNSWICK 78
H E a WARNER ROBINS 78
Berrien Teachers NASHVILLE 77
Credit Union of Atlanta Atlanta 77
EXCEL Norcross 77
F a B Church Savannah 77
Southern Pine Lake Park 76
Regional Members COLUMBUS 75
Stephens County Community TOCCOA 75
Brosnan Yard MACON 73
Flint River Employees Oglethorpe 71
Combined Employees WARNER ROBINS 70
GEOVISTA Hinesville 70
GP Rome 70
Macon-Bibb Employees Credit Union Macon 70
AFLAC COLUMBUS 69
Coffee County Teachers Douglas 69
LOCOGA Valdosta 69
Georgia's Own Atlanta 68
Savannah Postal Savannah 67
United Neighborhood Augusta 67
Family First HAPEVILLE 65
Rig Employees Macon 65
B.O.N.D. Community Atlanta 63
ARTESIAN Leesburg 58
BEKA Lindale 52
Georgia Guard MACON 35

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Georgia

Georgia is home to 74 federally-insured credit unions collectively serving 2.3M members with $37.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 82/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. COCA-COLA of ATLANTA currently leads the cohort with a health score of 99/100, while the full distribution spans 74 institutions ranked below.

The health distribution breaks into four bands: 47 credit unions score 80–100 (Excellent), 24 score 60–79 (Good), 2 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Georgia's 74 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Georgia: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($37.1B here).

Oregon $38.5B Maryland $39.3B Alabama $39.4B Iowa $34.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (74 here).

West Virginia 74 CUs Washington 75 CUs Colorado 66 CUs Minnesota 82 CUs

Frequently Asked Questions

How many credit unions are in Georgia?

There are 74 federally-insured credit unions in Georgia as of Q4 2025, with a combined 2.3M members and $37.1B in total assets. That places Georgia at #22 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Georgia ranks #23 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Georgia?

Based on NCUA Q4 2025 data, COCA-COLA in ATLANTA ranks highest in Georgia with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Georgia's data

  • COCA-COLA in ATLANTA is the healthiest scored credit union in Georgia at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Georgia's credit unions rank #26 of 52 nationally on delinquency rate (mid-pack) and #14 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Georgia ranks #23 of 54 by average health score and #22 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.