Credit Union Safety Analysis
Is Core Credit Union Safe? Statesboro, Georgia
Based on its Q2 2026 NCUA 5300 call report, Core Credit Union has a net worth ratio of 12.75%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, 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, Core Credit Union's net worth ratio is 12.75%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.75%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 0.94%
- Loan-to-share ratio (Q2 2026): 71.21%
Core Credit Union (NCUA charter 67371) reported $151.6M in assets and 15,509 members for Q2 2026 from Statesboro, Georgia. It ranks 25 of 71 credit unions in Georgia by total assets. Total assets grew 1.8% from $148.9M on June 30, 2025. It has 56 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.55 percentage points from 12.20% on June 30, 2025. Used vehicle loans are its largest loan category, $42.9M of $92.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% 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: 12.57% for Q1 2026; 12.20% 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; 0.37% 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: 0.83% for Q1 2026; 0.86% 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: 70.42% for Q1 2026; 68.99% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $42.9M
- 1- to 4-family residential and other consumer real estate loans: $27.1M
- New vehicle loans: $9.0M
- Other secured non-real estate loans and lines of credit: $6.0M
- Other unsecured loans and lines of credit: $4.1M
- Unsecured credit card loans: $3.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $151.6M | 12.75% | 0.37% | 0.94% | 71.21% |
| March 31, 2026 | $151.0M | 12.57% | 0.32% | 0.83% | 70.42% |
| December 31, 2025 | $147.8M | 12.67% | 0.33% | 0.68% | 70.97% |
| September 30, 2025 | $147.0M | 12.58% | 0.38% | 0.88% | 70.66% |
| June 30, 2025 | $148.9M | 12.20% | 0.37% | 0.86% | 68.99% |
| March 31, 2025 | $146.3M | 12.19% | 0.37% | 0.68% | 68.26% |
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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 67371) · FFIEC NIC profile (RSSD 117195)
Frequently asked questions
Is Core Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Core Credit Union's net worth ratio is 12.75%, above the 7% NCUA threshold for well capitalized.
Is Core Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Core Credit Union is a federally insured credit union (NCUA charter 67371): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Core Credit Union's key safety ratios?
For Q2 2026, Core Credit Union reports net worth 12.75%, delinquency 0.37%, ROA 0.94%, loan-to-share 71.21%.
What happens to my money if Core Credit Union fails?
For Q2 2026, Core Credit Union held $130.3M in shares and deposits for 15,509 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.