Mygeorgia Credit Union Gainesville, Georgia
Mygeorgia Credit Union is a state-chartered credit union headquartered in Gainesville, GA, established in 1971 (NCUA charter 68602), and it is regulated and insured by the NCUA. At Q2 2026 it reported 20,847 members and total assets of $258.5M (up 10.2% from Q2 2025), the 20th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 11.02% at Q2 2026, in the well capitalized band.
Also written as Mygeorgia CU
BankRegReports is independent of Mygeorgia Credit Union and never asks for online banking logins or passwords.
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
- 68602
- Headquarters
- Gainesville, GA
- Established
- 1971
- Total assets, Q2 2026
- $258.5M
- Assets vs Q2 2025
- +10.2%
- Members, Q2 2026
- 20,847
- Net worth ratio, Q2 2026
- 11.02%
- Latest call report
- Q2 2026, NCUA 5300 · Mygeorgia Credit Union call report
- Asset rank in state
- 20th of 71 in Georgia
- Routing number
- 261174775
- Branches
- 9
It has 719 more members than on June 30, 2025 (+3.6%). Its net worth ratio was down 0.08 percentage points from 11.10% on June 30, 2025. Used vehicle loans are its largest loan category, $88.6M of $160.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.02% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Georgia
Credit unions merged into Mygeorgia Credit Union
First Reliance Federal Credit Union (2021) · Habersham Federal Credit Union (2020)
Frequently asked about Mygeorgia Credit Union
How big is Mygeorgia Credit Union?
At Q2 2026 it reported total assets of $258.5M and 20,847 members.
Where is Mygeorgia Credit Union headquartered?
It is headquartered in Gainesville, GA, United States.
When was Mygeorgia Credit Union founded?
It was established in 1971, per NCUA records.
Is Mygeorgia Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68602): 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 Mygeorgia 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 Mygeorgia Credit Union well capitalized?
Its net worth ratio was 11.02% 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 Mygeorgia Credit Union's delinquency ratio?
Its delinquency ratio was 0.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mygeorgia Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.36% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gainesville, GA 30501
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1971
- NCUA Charter #
- 68602
- RSSD ID
- 913986
- Members
- 20,847
- Potential members
- 379,115
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B 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 13.58% | 11.02% | 11.43% | 44th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.85% | 0.81% | 53rd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.74% | 7.02% | 56th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.06% | 3.70% | 72nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 74.46% | 76.55% | 57th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.55% | 1.24% | 26th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.54% | 0.68% | 62nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.61% | 4.92% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 71.36% | 75.66% | 42nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$258.5M total assets against $234.6M; $225.2M total shares and deposits against $203.5M; $160.7M total loans against $149.0M.
$28.5M net worth against $26.1M.
11.02% net worth ratio against 11.10%.
71.36% loan-to-share ratio against 73.21%.
0.54% delinquency ratio against 0.77%.
0.85% return on assets against 1.14%; 7.74% return on equity against 10.24%.
4.06% net interest margin against 4.22%.
20,847 members against 20,128.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.02% | 0.85% | 0.54% | 71.36% |
| March 31, 2026 | 10.89% | 0.86% | 0.62% | 69.82% |
| December 31, 2025 | 11.30% | 1.08% | 0.69% | 73.07% |
| September 30, 2025 | 11.21% | 1.33% | 0.65% | 72.92% |
| June 30, 2025 | 11.10% | 1.14% | 0.77% | 73.21% |
| March 31, 2025 | 11.08% | 1.21% | 0.56% | 72.65% |
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.