Credit Union Safety Analysis
Is Credit Union of Atlanta Safe? Atlanta, Georgia
Based on its Q2 2026 NCUA 5300 call report, Credit Union of Atlanta has a net worth ratio of 14.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.92%, 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, Credit Union of Atlanta's net worth ratio is 14.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.11%
- Delinquency ratio (60+ days) (Q2 2026): 1.92%
- Return on assets (Q2 2026): -0.25%
- Loan-to-share ratio (Q2 2026): 67.65%
Credit Union of Atlanta (NCUA charter 67383, established 1928) reported $79.1M in assets and 14,371 members for Q2 2026 from Atlanta, Georgia. It ranks 31 of 71 credit unions in Georgia by total assets. Total assets fell 3.1% from $81.6M on June 30, 2025. It has 48 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.35 percentage points from 13.76% on June 30, 2025. Used vehicle loans are its largest loan category, $18.3M of $46.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.92% is above 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: 14.12% for Q1 2026; 13.76% 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: 2.99% for Q1 2026; 1.71% 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: -0.62% for Q1 2026; 0.43% 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: 69.17% for Q1 2026; 67.16% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $18.3M
- 1- to 4-family residential and other consumer real estate loans: $15.4M
- New vehicle loans: $6.6M
- Other unsecured loans and lines of credit: $2.9M
- Unsecured credit card loans: $2.9M
- Other secured non-real estate loans and lines of credit: $513K
- Commercial loans: $114K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $79.1M | 14.11% | 1.92% | -0.25% | 67.65% |
| March 31, 2026 | $79.4M | 14.12% | 2.99% | -0.62% | 69.17% |
| December 31, 2025 | $79.7M | 14.23% | 2.27% | 0.09% | 70.06% |
| September 30, 2025 | $80.4M | 14.13% | 1.69% | 0.67% | 69.77% |
| June 30, 2025 | $81.6M | 13.76% | 1.71% | 0.43% | 67.16% |
| March 31, 2025 | $81.2M | 13.72% | 0.91% | 0.38% | 68.07% |
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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.
Credit Union of Atlanta profile
Regulator records: NCUA credit union profile (charter 67383) · FFIEC NIC profile (RSSD 334590)
Frequently asked questions
Is Credit Union of Atlanta well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union of Atlanta's net worth ratio is 14.11%, above the 7% NCUA threshold for well capitalized.
Is Credit Union of Atlanta FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union of Atlanta is a federally insured credit union (NCUA charter 67383): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union of Atlanta's key safety ratios?
For Q2 2026, Credit Union of Atlanta reports net worth 14.11%, delinquency 1.92%, ROA -0.25%, loan-to-share 67.65%.
What happens to my money if Credit Union of Atlanta fails?
For Q2 2026, Credit Union of Atlanta held $69.1M in shares and deposits for 14,371 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.