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
81/100
Avg health

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)44 CUsGood (60–79)27 CUsFair (40–59)3 CUsWeak (<40)0 CUs

All Credit Unions in Georgia

Credit Union Health
Coca-cola ATLANTA 99
Platinum Duluth 99
Delta Community Atlanta 97
Lge Community Marietta 97
Go Energy Financial TUCKER 96
Interstate Jesup 96
Mygeorgia Gainesville 96
Associated Credit Union NORCROSS 95
Coweta Cities & County Employees Newnan 95
Harris Employees Cordele 95
Rome Kraft Employees Coosa 95
Georgia United DULUTH 94
Macon Firemen's MACON 94
Robins Financial Warner Robins 94
Southeastern Valdosta 94
Credit Union of Georgia Woodstock 93
Ware County School Employees WAYCROSS 93
E L C O Elberton 92
Georgia Heritage SAVANNAH 91
Walker County Educators Chickamauga 91
Workmen's Circle Incorporated Savannah 91
Lanier Oakwood 90
Midsouth Community Macon 90
The Wright Toccoa 90
Flint Reynolds 87
Mercy Savannah 87
Coosa Valley Rome 85
Core Statesboro 85
North Georgia Toccoa 85
Genuine Parts Norcross 84
Membersfirst Decatur 83
On the Grid Financial Atlanta 83
The Southern Fayetteville 83
Altamaha Jesup 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
Omega Psi Phi Fraternity Toccoa 80
Savannah Schools SAVANNAH 80
Cdc Atlanta 79
Faith Connection Marietta 79
Peach State Lawrenceville 79
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 74
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
Savannah Postal Savannah 67
United Neighborhood Augusta 67
Family First HAPEVILLE 65
Rig Employees Macon 65
B.o.n.d. Community Atlanta 63
Georgia's Own Atlanta 63
Artesian Leesburg 58
Beka Lindale 52
Georgia Guard MACON 51

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 81/100 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: 44 credit unions score 80–100 (Excellent), 27 score 60–79 (Good), 3 score 40–59 (Fair), and 0 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.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

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. 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.

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