Georgia United Credit Union Duluth, Georgia
Georgia United Credit Union is a state-chartered credit union headquartered in Duluth, GA, established in 1958 (NCUA charter 68607), and it is regulated and insured by the NCUA. At Q2 2026 it reported 162,195 members and total assets of $2.53B (up 6.4% from Q2 2025), the 5th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 11.10% at Q2 2026, in the well capitalized band.
Also written as Georgia United CU
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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
- 68607
- Headquarters
- Duluth, GA
- Established
- 1958
- Total assets, Q2 2026
- $2.53B
- Assets vs Q2 2025
- +6.4%
- Members, Q2 2026
- 162,195
- Net worth ratio, Q2 2026
- 11.10%
- Latest call report
- Q2 2026, NCUA 5300 · Georgia United Credit Union call report
- Asset rank in state
- 5th of 71 in Georgia
- Routing number
- 261171309
- Branches
- 15
It has 8,496 more members than on June 30, 2025 (+5.5%). Its net worth ratio was up 0.28 percentage points from 10.82% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.02B of $1.81B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.10% net worth ratio is above that band's 10.89% median.
Credit unions merged into Georgia United Credit Union
Big Bethel A.M.E. Church Federal Credit Union (2025) · North Main Credit Union (2023) · Etowah Valley Federal Credit Union (2015) · Healthcom Federal Credit Union (2015)
Frequently asked about Georgia United Credit Union
How big is Georgia United Credit Union?
At Q2 2026 it reported total assets of $2.53B and 162,195 members.
Where is Georgia United Credit Union headquartered?
It is headquartered in Duluth, GA, United States.
When was Georgia United Credit Union founded?
It was established in 1958, per NCUA records.
Is Georgia United Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68607): 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 Georgia United Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Georgia United Credit Union well capitalized?
Its net worth ratio was 11.10% 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 Georgia United Credit Union's delinquency ratio?
Its delinquency ratio was 0.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Georgia United Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.52% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Duluth, GA 30097
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 68607
- RSSD ID
- 319083
- Members
- 162,195
- Potential members
- 9,223,648
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.10% | 10.89% | 53rd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.95% | 0.89% | 54th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.78% | 8.07% | 56th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.51% | 3.45% | 55th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.90% | 70.59% | 56th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.81% | 1.68% | 40th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.89% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.32% | 5.12% | 65th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 84.52% | 88.03% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.53B total assets against $2.38B; $2.15B total shares and deposits against $2.01B; $1.81B total loans against $1.73B.
$272.6M net worth against $250.4M.
11.10% net worth ratio against 10.82%.
84.52% loan-to-share ratio against 86.37%.
0.89% delinquency ratio against 0.73%.
0.95% return on assets against 0.77%; 8.78% return on equity against 7.28%.
3.51% net interest margin against 3.48%.
162,195 members against 153,699.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.10% | 0.95% | 0.89% | 84.52% |
| March 31, 2026 | 11.03% | 0.97% | 0.85% | 82.81% |
| December 31, 2025 | 11.05% | 0.85% | 0.90% | 85.68% |
| September 30, 2025 | 10.91% | 0.85% | 0.92% | 86.84% |
| June 30, 2025 | 10.82% | 0.77% | 0.73% | 86.37% |
| March 31, 2025 | 10.82% | 0.56% | 0.81% | 85.43% |
Scroll sideways to see every column.
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.