TellerScore

Associated Credit Union is a federally insured state-chartered credit union headquartered in Norcross, Georgia, in business for about 96 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.2B in member shares and deposits, with 19 offices.

Based on its Q2 2026 filing, Associated Credit Union scores 77/100, which we describe as strong. That is higher than 82% of 454 credit unions with $1 billion – $10 billion. Among 71 credit unions headquartered in Georgia, it ranks 24th. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is earnings (49/100; 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.03%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity75/100
Loans ÷ shares: 84.9% · 7.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (74 → 77), mostly because the capital cushion component improved by 6 points.

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202473
Q4 202473
Q1 202572
Q2 202574
Q3 202575
Q4 202576
Q1 202676
Q2 202677
Net worth ratio
7.00%10.02%13.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.26%
Q3 202412.22%
Q4 202412.36%
Q1 202512.12%
Q2 202512.39%
Q3 202512.95%
Q4 202512.77%
Q1 202612.78%
Q2 202613.03%
Delinquent loans (60+ days)
0.29%0.35%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.36%
Q4 20240.37%
Q1 20250.34%
Q2 20250.36%
Q3 20250.40%
Q4 20250.34%
Q1 20260.30%
Q2 20260.30%
Return on assets
0.41%0.58%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.48%
Q4 20240.49%
Q1 20250.41%
Q2 20250.61%
Q3 20250.67%
Q4 20250.76%
Q1 20260.65%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$2.5B13.03%0.30%0.72%84.9%
Q1 202676$2.6B12.78%0.30%0.65%84.7%
Q4 202576$2.3B12.77%0.34%0.76%87.1%
Q3 202575$2.2B12.95%0.40%0.67%89.4%
Q2 202574$2.3B12.39%0.36%0.61%86.4%
Q1 202572$2.3B12.12%0.34%0.41%83.8%
Q4 202473$2.2B12.36%0.37%0.49%83.9%
Q3 202473$2.2B12.22%0.36%0.48%82.5%
Q2 202474$2.2B12.26%0.29%0.42%79.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.03%
80th
Problem loans0.30%
90th
Net charge-offs0.54%
47th
Return on assets0.72%
40th
Loans to deposits84.9%
59th
Uninsured deposits7.3%
69th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
87th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Georgia United Credit UnionCredit union Duluth, GA67 out of 100, Moderate$2.5B11.1%0.89%vs
Center Parc Credit UnionCredit union Atlanta, GA69 out of 100, Moderate$2.4B13.8%1.03%vs
Lge Community Credit UnionCredit union Marietta, GA71 out of 100, Strong$2.4B12.0%0.47%vs
Peach State Federal Credit UnionCredit union Lawrenceville, GA68 out of 100, Moderate$1.1B9.2%0.32%vs
Georgia'S Own Credit UnionCredit union Atlanta, GA50 out of 100, Below average$4.2B10.0%1.15%vs
Robins Financial Credit UnionCredit union Warner Robins, GA94 out of 100, Very strong$5.0B17.6%0.40%vs

Deposit insurance

Is my money safe at Associated Credit Union?

Yes. Associated Credit Union is a federally insured credit union (NCUA charter #60484). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.3% of shares and deposits ($159.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

19 locations

Branches

Associated Credit Union lists 19 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Associated Credit Union reported 1,857 home-loan applications under HMDA (LEI 254900132A3VX6LLZU43): 1,213 originated ($314,735,000 total), 346 denied, and 293 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Associated Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60484
RSSD ID
546692
Primary regulator
State + NCUA
Established
1930
Headquarters
6251 Crooked Creek Road, Norcross, GA 30092
Employees
418

Quick answers

Associated Credit Union: common questions

Is Associated Credit Union NCUA insured?

Yes. Associated Credit Union is a federally insured credit union (NCUA charter #60484). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Associated Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Associated Credit Union have?

19 offices as of the latest NCUA data.

Nearby

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