Credit Union Safety Analysis
Is North Georgia Credit Union Safe? Toccoa, Georgia
Based on its Q2 2026 NCUA 5300 call report, North Georgia Credit Union has a net worth ratio of 11.15%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.39%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of North Georgia Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, North Georgia Credit Union's net worth ratio is 11.15%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.15%
- Delinquency ratio (60+ days) (Q2 2026): 0.39%
- Return on assets (Q2 2026): 0.76%
- Loan-to-share ratio (Q2 2026): 84.24%
North Georgia Credit Union (NCUA charter 67395, established 1941) reported $121.7M in assets and 11,777 members for Q2 2026 from Toccoa, Georgia. It ranks 29 of 71 credit unions in Georgia by total assets. Total assets grew 8.8% from $111.9M on June 30, 2025. It has 439 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was down 0.35 percentage points from 11.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $57.3M of $89.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.39% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.46% for Q1 2026; 11.50% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.46% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.41% for Q1 2026; 0.95% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 86.91% for Q1 2026; 87.98% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $57.3M
- Used vehicle loans: $18.2M
- Other unsecured loans and lines of credit: $5.8M
- New vehicle loans: $5.1M
- Other secured non-real estate loans and lines of credit: $2.3M
- Commercial loans: $637K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $121.7M | 11.15% | 0.39% | 0.76% | 84.24% |
| March 31, 2026 | $116.5M | 11.46% | 0.46% | 0.41% | 86.91% |
| December 31, 2025 | $116.4M | 11.36% | 0.48% | 0.41% | 88.64% |
| September 30, 2025 | $113.7M | 11.53% | 0.47% | 0.84% | 88.17% |
| June 30, 2025 | $111.9M | 11.50% | 0.47% | 0.95% | 87.98% |
| March 31, 2025 | $111.3M | 11.33% | 0.46% | 0.94% | 84.65% |
Add this badge to your website
Free to use. It shows North Georgia 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.
North Georgia Credit Union profile
Regulator records: NCUA credit union profile (charter 67395) · FFIEC NIC profile (RSSD 347778)
Frequently asked questions
Is North Georgia Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, North Georgia Credit Union's net worth ratio is 11.15%, above the 7% NCUA threshold for well capitalized.
Is North Georgia Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. North Georgia Credit Union is a federally insured credit union (NCUA charter 67395): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are North Georgia Credit Union's key safety ratios?
For Q2 2026, North Georgia Credit Union reports net worth 11.15%, delinquency 0.39%, ROA 0.76%, loan-to-share 84.24%.
What happens to my money if North Georgia Credit Union fails?
For Q2 2026, North Georgia Credit Union held $105.9M in shares and deposits for 11,777 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.