Mygeorgia Credit Union is a federally insured state-chartered credit union headquartered in Gainesville, Georgia, in business for about 55 years. At the end of Q2 2026 it reported $258.5M in total assets and $225.2M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Mygeorgia Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 32nd. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is earnings (54/100; 0.85%).
TellerScore · Q2 2026
Scorecard
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 (72 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 74 |
| Q1 2025 | 75 |
| Q2 2025 | 72 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 11.17% |
| Q4 2024 | 11.42% |
| Q1 2025 | 11.08% |
| Q2 2025 | 11.10% |
| Q3 2025 | 11.21% |
| Q4 2025 | 11.30% |
| Q1 2026 | 10.89% |
| Q2 2026 | 11.02% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.15% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $258.5M | 11.02% | 0.54% | 0.85% | 71.4% |
| Q1 2026 | 71 | $256.5M | 10.89% | 0.62% | 0.86% | 69.8% |
| Q4 2025 | 74 | $243.4M | 11.30% | 0.69% | 1.15% | 73.1% |
| Q3 2025 | 74 | $239.4M | 11.21% | 0.65% | 1.20% | 72.9% |
| Q2 2025 | 72 | $234.6M | 11.10% | 0.77% | 1.16% | 73.2% |
| Q1 2025 | 75 | $228.9M | 11.08% | 0.56% | 1.21% | 72.7% |
| Q4 2024 | 74 | $217.2M | 11.42% | 0.75% | 1.29% | 74.5% |
| Q3 2024 | 74 | $214.1M | 11.17% | 0.60% | 1.20% | 74.5% |
| Q2 2024 | 74 | $215.0M | 10.89% | 0.66% | 1.30% | 71.9% |
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).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Geovista Federal Credit UnionCredit union Hinesville, GA | 60 out of 100, Moderate | $247.2M | 8.7% | 1.08% | vs |
| Marshland Credit UnionCredit union Brunswick, GA | 64 out of 100, Moderate | $272.9M | 8.7% | 0.22% | vs |
| Excel Federal Credit UnionCredit union Norcross, GA | 79 out of 100, Strong | $174.0M | 13.6% | 0.50% | vs |
| Georgia Heritage Federal Credit UnionCredit union Savannah, GA | 67 out of 100, Moderate | $162.7M | 10.4% | 0.34% | vs |
| Go Energy Financial Credit UnionCredit union Tucker, GA | 72 out of 100, Strong | $152.6M | 11.8% | 0.46% | vs |
| Core Credit UnionCredit union Statesboro, GA | 79 out of 100, Strong | $151.6M | 12.8% | 0.37% | vs |
Deposit insurance
Is my money safe at Mygeorgia Credit Union?
Yes. Mygeorgia Credit Union is a federally insured credit union (NCUA charter #68602). 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 2.0% of shares and deposits ($4.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Mygeorgia Credit Union lists 2 offices in 1 city. Most locations:
- Gainesville, GA (2)
HMDA 2025
Mortgage lending
In 2025, Mygeorgia Credit Union reported 148 home-loan applications under HMDA (LEI 5493007MURRUYDI58M87): 87 originated ($6,475,000 total), 54 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 38.3%, 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
- Mygeorgia Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68602
- RSSD ID
- 913986
- Primary regulator
- State + NCUA
- Established
- 1971
- Headquarters
- PO Box 908237, Gainesville, GA 30501
- Employees
- 67
Quick answers
Mygeorgia Credit Union: common questions
Is Mygeorgia Credit Union NCUA insured?
Yes. Mygeorgia Credit Union is a federally insured credit union (NCUA charter #68602). 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 Mygeorgia Credit Union's TellerScore?
72 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 Mygeorgia Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Gainesville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| First Century Bank, National AssociationBank Commerce, GA | 90 out of 100, Very strong | $831.6M | 16.8% | 0.00% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| The Citizens Bank of GeorgiaBank Cumming, GA | 85 out of 100, Very strong | $598.5M | 11.5% | 0.00% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Delta Community Credit UnionCredit union Atlanta, GA | 81 out of 100, Strong | $9.1B | 12.6% | 0.22% | vs |