TellerScore

Cdc Federal Credit Union (NCUA charter #6053) is based in Atlanta, Georgia. Its Q2 2026 call report shows $414.4M in total assets and $363.9M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Cdc Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 61st. Its strongest component is funding & liquidity (96/100; 47% loans-to-deposits, 19% uninsured), and its lowest is earnings (0/100; -0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.61%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings0/100
Return on assets (annualized): -0.58%
Funding & liquidity96/100
Loans ÷ shares: 47.0% · 18.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.04%

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 fell 3 points (60 → 57), mostly because the earnings component weakened by 27 points.

TellerScore
505560Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202450
Q4 202455
Q1 202560
Q2 202560
Q3 202559
Q4 202560
Q1 202656
Q2 202657
Net worth ratio
7.00%8.30%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.75%
Q3 20248.71%
Q4 20249.34%
Q1 20259.50%
Q2 20259.47%
Q3 20259.48%
Q4 20259.42%
Q1 20269.12%
Q2 20269.61%
Delinquent loans (60+ days)
0.64%1.12%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.53%
Q3 20241.59%
Q4 20241.23%
Q1 20250.81%
Q2 20250.79%
Q3 20251.01%
Q4 20250.77%
Q1 20260.64%
Q2 20260.71%
Return on assets
-1.19%-0.50%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.00%
Q4 20240.06%
Q1 20250.13%
Q2 20250.16%
Q3 20250.19%
Q4 20250.11%
Q1 2026-1.19%
Q2 2026-0.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$414.4M9.61%0.71%-0.58%47.0%
Q1 202656$435.5M9.12%0.64%-1.19%46.1%
Q4 202560$436.5M9.42%0.77%0.11%46.4%
Q3 202559$435.8M9.48%1.01%0.19%46.6%
Q2 202560$433.1M9.47%0.79%0.16%42.8%
Q1 202560$429.6M9.50%0.81%0.13%40.9%
Q4 202455$436.5M9.34%1.23%0.06%42.0%
Q3 202450$465.9M8.71%1.59%0.00%38.1%
Q2 202451$463.8M8.75%1.53%0.01%37.1%

1,341 peers · $100 million – $1 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 ratio9.61%
22nd
Problem loans0.71%
49th
Net charge-offs0.49%
36th
Return on assets-0.58%
1st
Loans to deposits47.0%
92nd
Uninsured deposits18.9%
3rd
Loan-loss reserves0.00%
50th
Texas ratio3.0%
61st

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Platinum Federal Credit UnionCredit union Duluth, GA75 out of 100, Strong$412.6M10.3%0.29%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Midsouth Community Federal Credit UnionCredit union Macon, GA77 out of 100, Strong$484.5M14.3%0.98%vs
Marshland Credit UnionCredit union Brunswick, GA64 out of 100, Moderate$272.9M8.7%0.22%vs

Deposit insurance

Is my money safe at Cdc Federal Credit Union?

Yes. Cdc Federal Credit Union is a federally insured credit union (NCUA charter #6053). 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 18.9% of shares and deposits ($69.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.61%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Cdc Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cdc Federal Credit Union reported 162 home-loan applications under HMDA (LEI 254900W1NULDJH9MMK81): 128 originated ($14,090,000 total), 25 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.2%, 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
Cdc Federal Credit Union
Type
Federal credit union
NCUA charter #
6053
RSSD ID
239873
Primary regulator
NCUA
Established
1949
Headquarters
P O Box 49169, Atlanta, GA 30359
Employees
43

Quick answers

Cdc Federal Credit Union: common questions

Is Cdc Federal Credit Union NCUA insured?

Yes. Cdc Federal Credit Union is a federally insured credit union (NCUA charter #6053). 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 Cdc Federal Credit Union's TellerScore?

57 out of 100 (Moderate), 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 Cdc Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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