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Georgia Credit Union Performance
How the 72 credit unions based in Georgia are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Georgia's 72 credit unions serve 2,300,600 members and hold $37.64B in combined assets. The median Georgia credit union earned a 0.64% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Georgia credit unions was -0.05%, compared with -0.55% nationally. Median one-year asset growth was 2.00%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Georgia at a glance
Georgia vs. the United States
System totals are the sum of every credit union based in Georgia. The share column is Georgia's portion of the national figure.
| Measure | Georgia | United States | Georgia share |
|---|---|---|---|
| Credit unions | 72 | 4,335 | 1.7% |
| Members | 2,300,600 | 147,031,529 | 1.6% |
| Residents (population) | 11,180,878 | 340,110,988 | 3.3% |
| Total assets | $37.64B | $2,507.50B | 1.5% |
| Total loans | $25.45B | $1,744.86B | 1.5% |
| Total shares & deposits | $32.35B | $2,143.21B | 1.5% |
| Total net worth | $4.73B | $282.23B | 1.7% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Georgia credit unions report about 21 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Georgia credit unions serve members in other states, so it overstates true in-state penetration.)
The median Georgia credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Georgia CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.64% | 0.66% |
| Net worth ratio | 13.33% | 12.44% |
| Loan-to-share ratio | 73.61% | 67.86% |
| Delinquency ratio | 0.63% | 0.63% |
| Net charge-off ratio | 0.40% | 0.33% |
| Cost of funds | 1.02% | 1.05% |
| Member growth (1 yr) | -0.05% | -0.55% |
| Asset growth (1 yr) | 2.00% | 2.78% |
| Loan growth (1 yr) | 1.67% | 0.63% |
| Share growth (1 yr) | 1.16% | 2.36% |
| Net worth growth (1 yr) | 5.98% | 5.57% |
Trends over time
The median Georgia credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.80% · 0.72%
— Georgia ‑‑ U.S.
Net worth ratio 13.51% · 12.46%
— Georgia ‑‑ U.S.
Loan-to-share ratio 76.78% · 69.70%
— Georgia ‑‑ U.S.
Delinquency ratio 0.69% · 0.72%
— Georgia ‑‑ U.S.
Asset growth (1 yr) 2.78% · 3.26%
— Georgia ‑‑ U.S.
Member growth (1 yr) -0.24% · -0.52%
— Georgia ‑‑ U.S.
Georgia leaderboards
Largest by assets
- 1 Delta Community Credit Union $9.14B
- 2 Robins Financial Credit Union $4.91B
- 3 Georgia's Own Credit Union $4.33B
- 4 Associated Credit Union $2.56B
- 5 Atlanta Postal Credit Union $2.51B
- 6 Georgia United Credit Union $2.50B
- 7 LGE Community Credit Union $2.39B
- 8 Gwinnett Credit Union $1.11B
- 9 MACO Educators Credit Union $760.8M
- 10 General Electric Credit Union $746.2M
Highest return on assets
- 1 Aflac Credit Union 2.61%
- 2 Workmen's Circle Incorporated Credit Union 2.25%
- 3 Interstate Unlimited Credit Union 2.03%
- 4 CGR Credit Union 1.86%
- 5 Robins Financial Credit Union 1.82%
- 6 Platinum Credit Union 1.47%
- 7 General Electric Credit Union 1.19%
- 8 Southeastern Credit Union 1.18%
- 9 MACO Educators Credit Union 1.12%
- 10 Excel Credit Union 1.09%
Fastest-growing (organic)
- 1 Platinum Credit Union 17.56%
- 2 Hallco Community Credit Union 12.03%
- 3 Kinetic Credit Union 10.14%
- 4 MACO Educators Credit Union 9.66%
- 5 Workmen's Circle Incorporated Credit Union 9.64%
- 6 General Electric Credit Union 8.86%
- 7 Interstate Unlimited Credit Union 7.95%
- 8 Southeastern Credit Union 7.09%
- 9 Glynn Teachers Credit Union 6.79%
- 10 Georgia United Credit Union 6.48%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Georgia that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.