Credit Union Safety Analysis
Is Georgia's Own Credit Union Safe? Atlanta, Georgia
Based on its Q2 2026 NCUA 5300 call report, Georgia's Own Credit Union has a net worth ratio of 9.99%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.15%, 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, Georgia's Own Credit Union's net worth ratio is 9.99%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.99%
- Delinquency ratio (60+ days) (Q2 2026): 1.15%
- Return on assets (Q2 2026): -1.85%
- Loan-to-share ratio (Q2 2026): 88.25%
Georgia's Own Credit Union (NCUA charter 67390, established 1934) reported $4.22B in assets and 240,275 members for Q2 2026 from Atlanta, Georgia. It ranks 3 of 71 credit unions in Georgia by total assets. Total assets fell 1.7% from $4.29B on June 30, 2025. 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.
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: 10.28% for Q1 2026; 10.69% 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: 1.69% for Q1 2026; 1.64% 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: -0.38% for Q1 2026; 0.60% 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: 86.69% for Q1 2026; 92.46% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.15B
- Commercial loans: $593.7M
- Used vehicle loans: $514.9M
- Other secured non-real estate loans and lines of credit: $414.9M
- New vehicle loans: $233.8M
- Other unsecured loans and lines of credit: $104.7M
- Unsecured credit card loans: $85.9M
- Non-federally guaranteed student loans: $65.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.22B | 9.99% | 1.15% | -1.85% | 88.25% |
| March 31, 2026 | $4.33B | 10.28% | 1.69% | -0.38% | 86.69% |
| December 31, 2025 | $4.38B | 10.61% | 1.98% | 0.30% | 85.95% |
| September 30, 2025 | $4.33B | 10.72% | 1.76% | 0.50% | 88.60% |
| June 30, 2025 | $4.29B | 10.69% | 1.64% | 0.60% | 92.46% |
| March 31, 2025 | $4.25B | 10.64% | 1.64% | 0.59% | 90.59% |
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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's Own Credit Union profile
Regulator records: NCUA credit union profile (charter 67390) · FFIEC NIC profile (RSSD 335092)
Frequently asked questions
Is Georgia's Own Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Georgia's Own Credit Union's net worth ratio is 9.99%, above the 7% NCUA threshold for well capitalized.
Is Georgia's Own Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Georgia's Own Credit Union is a federally insured credit union (NCUA charter 67390): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Georgia's Own Credit Union's key safety ratios?
For Q2 2026, Georgia's Own Credit Union reports net worth 9.99%, delinquency 1.15%, ROA -1.85%, loan-to-share 88.25%.
What happens to my money if Georgia's Own Credit Union fails?
For Q2 2026, Georgia's Own Credit Union held $3.59B in shares and deposits for 240,275 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.