Credit Union Safety Analysis
Is Credit Union of Georgia Safe? Woodstock, Georgia
Based on its Q2 2026 NCUA 5300 call report, Credit Union of Georgia has a net worth ratio of 10.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.00%, 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, Credit Union of Georgia's net worth ratio is 10.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.46%
- Delinquency ratio (60+ days) (Q2 2026): 1.00%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 79.07%
Credit Union of Georgia (NCUA charter 68571, established 1960) reported $766.1M in assets and 37,326 members for Q2 2026 from Woodstock, Georgia. It ranks 9 of 71 credit unions in Georgia by total assets. Total assets grew 9.0% from $702.9M on June 30, 2025. 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.
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: 10.34% for Q1 2026; 9.99% 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: 0.68% for Q1 2026; 0.65% 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: 1.07% for Q1 2026; 0.99% 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: 76.90% for Q1 2026; 80.21% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $323.5M
- Used vehicle loans: $115.4M
- New vehicle loans: $49.6M
- Commercial loans: $25.5M
- Other secured non-real estate loans and lines of credit: $9.1M
- Other unsecured loans and lines of credit: $4.1M
- Unsecured credit card loans: $2.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $766.1M | 10.46% | 1.00% | 1.34% | 79.07% |
| March 31, 2026 | $760.8M | 10.34% | 0.68% | 1.07% | 76.90% |
| December 31, 2025 | $732.6M | 10.29% | 0.80% | 1.19% | 79.93% |
| September 30, 2025 | $712.5M | 10.23% | 0.83% | 1.49% | 81.34% |
| June 30, 2025 | $702.9M | 9.99% | 0.65% | 0.99% | 80.21% |
| March 31, 2025 | $693.8M | 9.91% | 0.37% | 1.08% | 78.76% |
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Free to use. It shows Credit Union of Georgia’s latest filed figures and updates each quarter.
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 Georgia profile
Regulator records: NCUA credit union profile (charter 68571) · FFIEC NIC profile (RSSD 246880)
Frequently asked questions
Is Credit Union of Georgia well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union of Georgia's net worth ratio is 10.46%, above the 7% NCUA threshold for well capitalized.
Is Credit Union of Georgia FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union of Georgia is a federally insured credit union (NCUA charter 68571): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union of Georgia's key safety ratios?
For Q2 2026, Credit Union of Georgia reports net worth 10.46%, delinquency 1.00%, ROA 1.34%, loan-to-share 79.07%.
What happens to my money if Credit Union of Georgia fails?
For Q2 2026, Credit Union of Georgia held $670.3M in shares and deposits for 37,326 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.