Credit Union Safety Analysis
Is Georgia United Credit Union Safe? Duluth, Georgia
Based on its Q2 2026 NCUA 5300 call report, Georgia United Credit Union has a net worth ratio of 11.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.89%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Georgia United Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Georgia United Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.10%
- Delinquency ratio (60+ days) (Q2 2026): 0.89%
- Return on assets (Q2 2026): 0.95%
- Loan-to-share ratio (Q2 2026): 84.52%
Georgia United Credit Union (NCUA charter 68607, established 1958) reported $2.53B in assets and 162,195 members for Q2 2026 from Duluth, Georgia. It ranks 5 of 71 credit unions in Georgia by total assets. Total assets grew 6.4% from $2.38B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.03% for Q1 2026; 10.82% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.85% for Q1 2026; 0.73% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.97% for Q1 2026; 0.77% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 82.81% for Q1 2026; 86.37% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.02B
- New vehicle loans: $218.1M
- Used vehicle loans: $207.4M
- Other secured non-real estate loans and lines of credit: $124.6M
- Unsecured credit card loans: $97.2M
- Other unsecured loans and lines of credit: $83.3M
- Commercial loans: $56.9M
- Non-federally guaranteed student loans: $4.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.53B | 11.10% | 0.89% | 0.95% | 84.52% |
| March 31, 2026 | $2.50B | 11.03% | 0.85% | 0.97% | 82.81% |
| December 31, 2025 | $2.42B | 11.05% | 0.90% | 0.85% | 85.68% |
| September 30, 2025 | $2.38B | 10.91% | 0.92% | 0.85% | 86.84% |
| June 30, 2025 | $2.38B | 10.82% | 0.73% | 0.77% | 86.37% |
| March 31, 2025 | $2.35B | 10.82% | 0.81% | 0.56% | 85.43% |
Add this badge to your website
Free to use. It shows Georgia United Credit Union’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.
Georgia United Credit Union profile
Regulator records: NCUA credit union profile (charter 68607) · FFIEC NIC profile (RSSD 319083)
Frequently asked questions
Is Georgia United Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Georgia United Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
Is Georgia United Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Georgia United Credit Union is a federally insured credit union (NCUA charter 68607): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Georgia United Credit Union's key safety ratios?
For Q2 2026, Georgia United Credit Union reports net worth 11.10%, delinquency 0.89%, ROA 0.95%, loan-to-share 84.52%.
What happens to my money if Georgia United Credit Union fails?
For Q2 2026, Georgia United Credit Union held $2.15B in shares and deposits for 162,195 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.