Georgia's Own Credit Union Atlanta, Georgia
Georgia's Own Credit Union is a state-chartered credit union headquartered in Atlanta, GA, established in 1934 (NCUA charter 67390), and it is regulated and insured by the NCUA. At Q2 2026 it reported 240,275 members and total assets of $4.22B (down 1.7% from Q2 2025), the 3rd largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 9.99% at Q2 2026, in the well capitalized band.
Also written as Georgia's Own 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
- 67390
- Headquarters
- Atlanta, GA
- Established
- 1934
- Total assets, Q2 2026
- $4.22B
- Assets vs Q2 2025
- -1.7%
- Members, Q2 2026
- 240,275
- Net worth ratio, Q2 2026
- 9.99%
- Latest call report
- Q2 2026, NCUA 5300 · Georgia's Own Credit Union call report
- Asset rank in state
- 3rd of 71 in Georgia
- Routing number
- 261071438
- Branches
- 30
It has 1,020 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.70 percentage points from 10.69% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.15B of $3.17B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.15% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.99% net worth ratio is below that band's 10.89% median.
Credit unions merged into Georgia's Own Credit Union
Health Center Credit Union (2023) · United 1st Credit Union (2022) · Fort McPherson Credit Union (2021) · Three Rivers Credit Union (2020) · Doco Credit Union (2020) · SPC Federal Credit Union (2015)
Frequently asked about Georgia's Own Credit Union
How big is Georgia's Own Credit Union?
At Q2 2026 it reported total assets of $4.22B and 240,275 members.
Where is Georgia's Own Credit Union headquartered?
It is headquartered in Atlanta, GA, United States.
When was Georgia's Own Credit Union founded?
It was established in 1934, per NCUA records.
Is Georgia's Own Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67390): 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's Own 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's Own Credit Union well capitalized?
Its net worth ratio was 9.99% 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's Own Credit Union's delinquency ratio?
Its delinquency ratio was 1.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Georgia's Own Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.25% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Atlanta, GA 30303
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 67390
- RSSD ID
- 335092
- Members
- 240,275
- Potential members
- 8,179,466
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 and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.99% | 10.89% | 29th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | -1.85% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | -18.56% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.47% | 3.45% | 52nd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 69.75% | 70.59% | 53rd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.68% | 1.68% | 50th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.15% | 0.68% | 22nd bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.15% | 5.12% | 52nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 88.25% | 88.03% | 51st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.22B total assets against $4.29B; $3.59B total shares and deposits against $3.57B; $3.17B total loans against $3.30B.
$421.2M net worth against $449.8M.
9.99% net worth ratio against 10.69%.
88.25% loan-to-share ratio against 92.46%.
1.15% delinquency ratio against 1.64%.
-1.85% return on assets against 0.60%; -18.56% return on equity against 5.64%.
3.47% net interest margin against 3.81%.
240,275 members against 241,295.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.99% | -1.85% | 1.15% | 88.25% |
| March 31, 2026 | 10.28% | -0.38% | 1.69% | 86.69% |
| December 31, 2025 | 10.61% | 0.30% | 1.98% | 85.95% |
| September 30, 2025 | 10.72% | 0.50% | 1.76% | 88.60% |
| June 30, 2025 | 10.69% | 0.60% | 1.64% | 92.46% |
| March 31, 2025 | 10.64% | 0.59% | 1.64% | 90.59% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.