TellerScore

Headquartered in Toccoa, Georgia, North Georgia Credit Union is a federally insured state-chartered credit union with $121.7M in total assets and $105.9M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1991.

Based on its Q2 2026 filing, North Georgia Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 35th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.15%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity76/100
Loans ÷ shares: 84.2% · 5.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.53%

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 2 points (72 → 70), mostly because the earnings component weakened by 15 points.

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202573
Q2 202572
Q3 202572
Q4 202570
Q1 202668
Q2 202670
Net worth ratio
7.00%9.39%11.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.34%
Q3 202411.79%
Q4 202411.74%
Q1 202511.33%
Q2 202511.50%
Q3 202511.53%
Q4 202511.36%
Q1 202611.46%
Q2 202611.15%
Delinquent loans (60+ days)
0.39%0.43%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.45%
Q4 20240.48%
Q1 20250.46%
Q2 20250.47%
Q3 20250.47%
Q4 20250.48%
Q1 20260.46%
Q2 20260.39%
Return on assets
0.41%0.89%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.38%
Q4 20241.23%
Q1 20250.94%
Q2 20250.94%
Q3 20250.90%
Q4 20250.76%
Q1 20260.41%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$121.7M11.15%0.39%0.58%84.2%
Q1 202668$116.5M11.46%0.46%0.41%86.9%
Q4 202570$116.4M11.36%0.48%0.76%88.6%
Q3 202572$113.7M11.53%0.47%0.90%88.2%
Q2 202572$111.9M11.50%0.47%0.94%88.0%
Q1 202573$111.3M11.33%0.46%0.94%84.7%
Q4 202475$105.1M11.74%0.48%1.23%89.0%
Q3 202476$102.8M11.79%0.45%1.38%90.5%
Q2 202475$103.3M11.34%0.41%1.28%87.1%

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 ratio11.15%
46th
Problem loans0.39%
75th
Net charge-offs0.18%
73rd
Return on assets0.58%
36th
Loans to deposits84.2%
30th
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
68th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Cgr Credit UnionCredit union Macon, GA95 out of 100, Very strong$120.0M22.2%0.52%vs
Aflac Federal Credit UnionCredit union Columbus, GA86 out of 100, Very strong$133.8M38.9%1.66%vs
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Family First Credit UnionCredit union Hapeville, GA64 out of 100, Moderate$136.3M13.5%1.94%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs

Deposit insurance

Is my money safe at North Georgia Credit Union?

Yes. North Georgia Credit Union is a federally insured credit union (NCUA charter #67395). 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 5.3% of shares and deposits ($5.6M) 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 11.15%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

North Georgia Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
North Georgia Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67395
RSSD ID
347778
Primary regulator
State + NCUA
Established
1991
Headquarters
P.O. Box 280, Toccoa, GA 30577
Employees
48

Quick answers

North Georgia Credit Union: common questions

Is North Georgia Credit Union NCUA insured?

Yes. North Georgia Credit Union is a federally insured credit union (NCUA charter #67395). 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 North Georgia Credit Union's TellerScore?

70 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 North Georgia Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Toccoa

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Wright Credit UnionCredit union Toccoa, GA84 out of 100, Strong$16.2M17.3%0.29%vs
Rabun County BankBank Clayton, GA81 out of 100, Strong$361.5M10.5%0.05%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs