Credit Union Safety Analysis
Is Coweta Cities & County Employees Federal Credit Union Safe? Newnan, Georgia
Based on its Q2 2026 NCUA 5300 call report, Coweta Cities & County Employees Federal Credit Union has a net worth ratio of 20.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.00%, 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, Coweta Cities & County Employees Federal Credit Union's net worth ratio is 20.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.35%
- Delinquency ratio (60+ days) (Q2 2026): 0.00%
- Return on assets (Q2 2026): 1.65%
- Loan-to-share ratio (Q2 2026): 41.32%
Coweta Cities & County Employees Federal Credit Union (NCUA charter 20509, established 1971) reported $28.1M in assets and 3,193 members for Q2 2026 from Newnan, Georgia. It ranks 40 of 71 credit unions in Georgia by total assets. Total assets grew 0.8% from $27.9M on June 30, 2025. It has 103 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 1.30 percentage points from 19.05% on June 30, 2025. Used vehicle loans are its largest loan category, $4.2M of $9.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.00% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 20.26% for Q1 2026; 19.05% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.02% for Q1 2026; 0.01% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.40% for Q1 2026; 1.86% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 42.51% for Q1 2026; 43.63% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.2M
- New vehicle loans: $2.7M
- Other secured non-real estate loans and lines of credit: $1.8M
- Other unsecured loans and lines of credit: $482K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $28.1M | 20.35% | 0.00% | 1.65% | 41.32% |
| March 31, 2026 | $27.7M | 20.26% | 0.02% | 1.40% | 42.51% |
| December 31, 2025 | $27.9M | 19.74% | 0.02% | 1.53% | 43.32% |
| September 30, 2025 | $27.8M | 19.47% | 0.01% | 1.16% | 44.44% |
| June 30, 2025 | $27.9M | 19.05% | 0.01% | 1.86% | 43.63% |
| March 31, 2025 | $27.8M | 18.67% | 0.01% | 1.89% | 42.70% |
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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.
Coweta Cities & County Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20509) · FFIEC NIC profile (RSSD 28488)
Frequently asked questions
Is Coweta Cities & County Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Coweta Cities & County Employees Federal Credit Union's net worth ratio is 20.35%, above the 7% NCUA threshold for well capitalized.
Is Coweta Cities & County Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Coweta Cities & County Employees Federal Credit Union is a federally insured credit union (NCUA charter 20509): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Coweta Cities & County Employees Federal Credit Union's key safety ratios?
For Q2 2026, Coweta Cities & County Employees Federal Credit Union reports net worth 20.35%, delinquency 0.00%, ROA 1.65%, loan-to-share 41.32%.
What happens to my money if Coweta Cities & County Employees Federal Credit Union fails?
For Q2 2026, Coweta Cities & County Employees Federal Credit Union held $22.4M in shares and deposits for 3,193 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.