Credit Union of Georgia Woodstock, Georgia
Credit Union of Georgia is a state-chartered credit union headquartered in Woodstock, GA, established in 1960 (NCUA charter 68571), and it is regulated and insured by the NCUA. At Q2 2026 it reported 37,326 members and total assets of $766.1M (up 9.0% from Q2 2025), the 9th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 10.46% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68571
- Headquarters
- Woodstock, GA
- Established
- 1960
- Total assets, Q2 2026
- $766.1M
- Assets vs Q2 2025
- +9.0%
- Members, Q2 2026
- 37,326
- Net worth ratio, Q2 2026
- 10.46%
- Latest call report
- Q2 2026, NCUA 5300 · Credit Union of Georgia call report
- Asset rank in state
- 9th of 71 in Georgia
- Routing number
- 261171493
- Branches
- 9
It has 1,351 more members than on June 30, 2025 (+3.8%). Its net worth ratio was up 0.47 percentage points from 9.99% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $323.5M of $530.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.00% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.46% net worth ratio is below that band's 11.43% median.
Frequently asked about Credit Union of Georgia
How big is Credit Union of Georgia?
At Q2 2026 it reported total assets of $766.1M and 37,326 members.
Where is Credit Union of Georgia headquartered?
It is headquartered in Woodstock, GA, United States.
When was Credit Union of Georgia founded?
It was established in 1960, per NCUA records.
Is Credit Union of Georgia FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68571): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Credit Union of Georgia?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Credit Union of Georgia well capitalized?
Its net worth ratio was 10.46% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Credit Union of Georgia's delinquency ratio?
Its delinquency ratio was 1.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Credit Union of Georgia's loan-to-share ratio?
Its loan-to-share ratio was 79.07% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Woodstock, GA 30189
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 68571
- RSSD ID
- 246880
- Members
- 37,326
- Potential members
- 3,277,653
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.46% | 11.43% | 35th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.34% | 0.81% | 79th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 13.20% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.91% | 3.70% | 64th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 67.93% | 76.55% | 77th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.30% | 1.24% | 45th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.00% | 0.68% | 32nd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.22% | 4.92% | 66th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 79.07% | 75.66% | 58th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$766.1M total assets against $702.9M; $670.3M total shares and deposits against $620.1M; $530.0M total loans against $497.4M.
$77.7M net worth against $68.5M.
10.46% net worth ratio against 9.99%.
79.07% loan-to-share ratio against 80.21%.
1.00% delinquency ratio against 0.65%.
1.34% return on assets against 0.99%; 13.20% return on equity against 10.14%.
3.91% net interest margin against 3.93%.
37,326 members against 35,975.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.46% | 1.34% | 1.00% | 79.07% |
| March 31, 2026 | 10.34% | 1.07% | 0.68% | 76.90% |
| December 31, 2025 | 10.29% | 1.19% | 0.80% | 79.93% |
| September 30, 2025 | 10.23% | 1.49% | 0.83% | 81.34% |
| June 30, 2025 | 9.99% | 0.99% | 0.65% | 80.21% |
| March 31, 2025 | 9.91% | 1.08% | 0.37% | 78.76% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.