Peach State Federal Credit Union Lawrenceville, Georgia
Peach State Federal Credit Union is a federal credit union headquartered in Lawrenceville, GA, established in 1961 (NCUA charter 14676), and it is regulated and insured by the NCUA. At Q2 2026 it reported 76,348 members and total assets of $1.12B (up 2.7% from Q2 2025), the 8th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 9.18% at Q2 2026, in the well capitalized band.
Also written as Peach State FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14676
- Headquarters
- Lawrenceville, GA
- Established
- 1961
- Total assets, Q2 2026
- $1.12B
- Assets vs Q2 2025
- +2.7%
- Members, Q2 2026
- 76,348
- Net worth ratio, Q2 2026
- 9.18%
- Latest call report
- Q2 2026, NCUA 5300 · Peach State Federal Credit Union call report
- Asset rank in state
- 8th of 71 in Georgia
- Routing number
- 261174759
- Branches
- 30
It has 1,624 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was up 0.52 percentage points from 8.66% on June 30, 2025. Commercial loans are its largest loan category, $360.0M of $755.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.18% net worth ratio is below that band's 10.89% median.
Credit unions merged into Peach State Federal Credit Union
Pinnacle Credit Union (2024) · Abbeville Community Federal Credit Union (2022) · Pickens Federal Credit Union (2022) · Stephens-Franklin Teachers Federal Credit Union (2018) · Towns-Union Educators Federal Credit Union (2018) · Lakelands Federal Credit Union (2018) · Southeast Federal Credit Union (2017) · Beech Island Credit Union (2016)
Frequently asked about Peach State Federal Credit Union
How big is Peach State Federal Credit Union?
At Q2 2026 it reported total assets of $1.12B and 76,348 members.
Where is Peach State Federal Credit Union headquartered?
It is headquartered in Lawrenceville, GA, United States.
When was Peach State Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Peach State Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14676): 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 Peach State Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Peach State Federal Credit Union well capitalized?
Its net worth ratio was 9.18% 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 Peach State Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Peach State Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.93% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lawrenceville, GA 30046
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14676
- RSSD ID
- 632380
- Members
- 76,348
- Potential members
- 984,405
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 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.18% | 10.89% | 14th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.84% | 0.89% | 46th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.30% | 8.07% | 61st above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.67% | 3.45% | 66th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 78.06% | 70.59% | 23rd bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.08% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.32% | 0.68% | 88th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.75% | 5.12% | 28th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 74.93% | 88.03% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.12B total assets against $1.09B; $1.01B total shares and deposits against $988.3M; $755.3M total loans against $704.0M.
$101.4M net worth against $92.0M.
9.18% net worth ratio against 8.66%.
74.93% loan-to-share ratio against 71.24%.
0.32% delinquency ratio against 0.44%.
0.84% return on assets against 0.73%; 9.30% return on equity against 8.69%.
3.67% net interest margin against 3.39%.
76,348 members against 77,972.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.18% | 0.84% | 0.32% | 74.93% |
| March 31, 2026 | 9.03% | 0.77% | 0.35% | 73.78% |
| December 31, 2025 | 8.89% | 0.88% | 0.46% | 75.08% |
| September 30, 2025 | 8.76% | 0.91% | 0.43% | 74.24% |
| June 30, 2025 | 8.66% | 0.73% | 0.44% | 71.24% |
| March 31, 2025 | 9.13% | 0.84% | 0.37% | 69.58% |
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.