TellerScore

Credit Union of Georgia (NCUA charter #68571) is based in Woodstock, Georgia. Its Q2 2026 call report shows $766.1M in total assets and $670.3M in member shares and deposits and 9 offices.

Credit Union of Georgia has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 40th. Problem-loan coverage contributes the most (86/100, 6.9%); capital cushion contributes the least (55/100, 10.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.46%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity81/100
Loans ÷ shares: 79.1% · 6.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.94%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).

TellerScore
687071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202468
Q1 202571
Q2 202568
Q3 202568
Q4 202568
Q1 202669
Q2 202668
Net worth ratio
7.00%8.73%10.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.62%
Q3 20249.70%
Q4 20249.78%
Q1 20259.91%
Q2 20259.99%
Q3 202510.23%
Q4 202510.29%
Q1 202610.34%
Q2 202610.46%
Delinquent loans (60+ days)
0.37%0.69%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.68%
Q4 20240.67%
Q1 20250.37%
Q2 20250.65%
Q3 20250.83%
Q4 20250.80%
Q1 20260.68%
Q2 20261.00%
Return on assets
1.03%1.12%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.11%
Q4 20241.09%
Q1 20251.08%
Q2 20251.03%
Q3 20251.17%
Q4 20251.15%
Q1 20261.07%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$766.1M10.46%1.00%1.20%79.1%
Q1 202669$760.8M10.34%0.68%1.07%76.9%
Q4 202568$732.6M10.29%0.80%1.15%79.9%
Q3 202568$712.5M10.23%0.83%1.17%81.3%
Q2 202568$702.9M9.99%0.65%1.03%80.2%
Q1 202571$693.8M9.91%0.37%1.08%78.8%
Q4 202468$673.0M9.78%0.67%1.09%78.0%
Q3 202468$672.3M9.70%0.68%1.11%75.2%
Q2 202468$656.5M9.62%0.70%1.21%76.5%

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 ratio10.46%
35th
Problem loans1.00%
30th
Net charge-offs0.31%
56th
Return on assets1.20%
78th
Loans to deposits79.1%
43rd
Uninsured deposits6.8%
42nd
Loan-loss reserves0.00%
50th
Texas ratio6.9%
26th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Coosa Valley Credit UnionCredit union Rome, GA65 out of 100, Moderate$765.9M9.5%0.61%vs
Kinetic Federal Credit UnionCredit union Columbus, GA66 out of 100, Moderate$664.6M14.1%1.55%vs
The Southern Credit UnionCredit union Fayetteville, GA76 out of 100, Strong$560.2M11.6%0.10%vs
Midsouth Community Federal Credit UnionCredit union Macon, GA77 out of 100, Strong$484.5M14.3%0.98%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs

Deposit insurance

Is my money safe at Credit Union of Georgia?

Yes. Credit Union of Georgia is a federally insured credit union (NCUA charter #68571). 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 6.8% of shares and deposits ($45.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.46%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Credit Union of Georgia lists 9 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Credit Union of Georgia reported 1,478 home-loan applications under HMDA (LEI 549300STHIK6SGJQIY70): 951 originated ($119,775,000 total), 333 denied, and 126 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.6%, 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
Credit Union of Georgia
Type
Federally insured state-chartered credit union
NCUA charter #
68571
RSSD ID
246880
Primary regulator
State + NCUA
Established
1960
Headquarters
PO Box 2148, Woodstock, GA 30188
Employees
117

Quick answers

Credit Union of Georgia: common questions

Is Credit Union of Georgia NCUA insured?

Yes. Credit Union of Georgia is a federally insured credit union (NCUA charter #68571). 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 Credit Union of Georgia's TellerScore?

68 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 Credit Union of Georgia have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Woodstock

InstitutionScoreAssetsCapitalProblem loansCompare
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
CIBC National Trust CompanyBank Atlanta, GA93 out of 100, Very strong$412.8M59.6%0.00%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs
The Citizens Bank of GeorgiaBank Cumming, GA85 out of 100, Very strong$598.5M11.5%0.00%vs