Credit Union Safety Analysis
Is CGR Credit Union Safe? Macon, Georgia
Based on its Q2 2026 NCUA 5300 call report, CGR Credit Union has a net worth ratio of 22.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, 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, CGR Credit Union's net worth ratio is 22.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.20%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 1.99%
- Loan-to-share ratio (Q2 2026): 51.91%
CGR Credit Union (NCUA charter 67367, established 1971) reported $120.0M in assets and 11,274 members for Q2 2026 from Macon, Georgia. It ranks 30 of 71 credit unions in Georgia by total assets. Total assets grew 4.3% from $115.0M on June 30, 2025. It has 246 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was up 0.89 percentage points from 21.31% on June 30, 2025. Used vehicle loans are its largest loan category, $21.1M of $46.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 21.79% for Q1 2026; 21.31% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.32% for Q1 2026; 0.89% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.85% for Q1 2026; 1.74% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 50.80% for Q1 2026; 51.87% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $21.1M
- 1- to 4-family residential and other consumer real estate loans: $10.4M
- New vehicle loans: $9.3M
- Other unsecured loans and lines of credit: $3.3M
- Unsecured credit card loans: $1.8M
- Other secured non-real estate loans and lines of credit: $762K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $120.0M | 22.20% | 0.52% | 1.99% | 51.91% |
| March 31, 2026 | $119.5M | 21.79% | 0.32% | 1.85% | 50.80% |
| December 31, 2025 | $117.2M | 21.75% | 0.48% | 1.43% | 52.70% |
| September 30, 2025 | $114.6M | 21.88% | 0.59% | 1.95% | 53.12% |
| June 30, 2025 | $115.0M | 21.31% | 0.89% | 1.74% | 51.87% |
| March 31, 2025 | $117.1M | 20.51% | 0.74% | 1.81% | 49.97% |
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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.
Regulator records: NCUA credit union profile (charter 67367) · FFIEC NIC profile (RSSD 112293)
Frequently asked questions
Is CGR Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, CGR Credit Union's net worth ratio is 22.20%, above the 7% NCUA threshold for well capitalized.
Is CGR Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. CGR Credit Union is a federally insured credit union (NCUA charter 67367): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are CGR Credit Union's key safety ratios?
For Q2 2026, CGR Credit Union reports net worth 22.20%, delinquency 0.52%, ROA 1.99%, loan-to-share 51.91%.
What happens to my money if CGR Credit Union fails?
For Q2 2026, CGR Credit Union held $90.0M in shares and deposits for 11,274 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.