Credit Union Safety Analysis
Is Associated Credit Union Safe? Norcross, Georgia
Based on its Q2 2026 NCUA 5300 call report, Associated Credit Union has a net worth ratio of 13.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.30%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Associated Credit Union's net worth ratio is 13.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.30%
- Return on assets (Q2 2026): 0.78%
- Loan-to-share ratio (Q2 2026): 84.87%
Associated Credit Union (NCUA charter 60484, established 1930) reported $2.55B in assets and 172,237 members for Q2 2026 from Norcross, Georgia. It ranks 4 of 71 credit unions in Georgia by total assets. Total assets grew 11.1% from $2.29B on June 30, 2025. It has 16,004 more members than on June 30, 2025 (+10.2%). Its net worth ratio was up 0.64 percentage points from 12.39% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $781.8M of $1.85B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.30% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.78% for Q1 2026; 12.39% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.30% for Q1 2026; 0.36% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.65% for Q1 2026; 0.81% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 84.73% for Q1 2026; 86.36% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $781.8M
- Used vehicle loans: $613.0M
- New vehicle loans: $285.9M
- Commercial loans: $82.5M
- Unsecured credit card loans: $50.4M
- Other unsecured loans and lines of credit: $26.5M
- Non-federally guaranteed student loans: $7.4M
- Other secured non-real estate loans and lines of credit: $4.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.55B | 13.03% | 0.30% | 0.78% | 84.87% |
| March 31, 2026 | $2.56B | 12.78% | 0.30% | 0.65% | 84.73% |
| December 31, 2025 | $2.30B | 12.77% | 0.34% | 1.09% | 87.08% |
| September 30, 2025 | $2.23B | 12.95% | 0.40% | 0.76% | 89.37% |
| June 30, 2025 | $2.29B | 12.39% | 0.36% | 0.81% | 86.36% |
| March 31, 2025 | $2.31B | 12.12% | 0.34% | 0.41% | 83.83% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Associated Credit Union profile
Regulator records: NCUA credit union profile (charter 60484) · FFIEC NIC profile (RSSD 546692)
Frequently asked questions
Is Associated Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Associated Credit Union's net worth ratio is 13.03%, above the 7% NCUA threshold for well capitalized.
Is Associated Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Associated Credit Union is a federally insured credit union (NCUA charter 60484): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Associated Credit Union's key safety ratios?
For Q2 2026, Associated Credit Union reports net worth 13.03%, delinquency 0.30%, ROA 0.78%, loan-to-share 84.87%.
What happens to my money if Associated Credit Union fails?
For Q2 2026, Associated Credit Union held $2.18B in shares and deposits for 172,237 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.