TellerScore

On the Grid Financial Federal Credit Union is a federal credit union headquartered in Atlanta, Georgia, in business for about 91 years. At the end of Q2 2026 it reported $45.3M in total assets and $38.7M in member shares and deposits.

Based on its Q2 2026 filing, On the Grid Financial Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 26th. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 2% uninsured), and its lowest is earnings (19/100; -0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.88%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity100/100
Loans ÷ shares: 47.0% · 1.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.08%

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 (80 → 77), mostly because the earnings component weakened by 12 points.

TellerScore
778286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202486
Q1 202580
Q2 202580
Q3 202581
Q4 202580
Q1 202677
Q2 202677
Net worth ratio
7.00%10.71%14.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.61%
Q3 202414.14%
Q4 202414.10%
Q1 202513.50%
Q2 202513.65%
Q3 202514.30%
Q4 202514.42%
Q1 202613.60%
Q2 202613.88%
Delinquent loans (60+ days)
0.10%0.27%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.40%
Q4 20240.10%
Q1 20250.21%
Q2 20250.27%
Q3 20250.39%
Q4 20250.44%
Q1 20260.35%
Q2 20260.37%
Return on assets
-0.02%0.39%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.75%
Q4 20240.65%
Q1 20250.32%
Q2 20250.27%
Q3 20250.27%
Q4 20250.28%
Q1 20260.03%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$45.3M13.88%0.37%-0.02%47.0%
Q1 202677$46.3M13.60%0.35%0.03%45.9%
Q4 202580$43.6M14.42%0.44%0.28%49.3%
Q3 202581$43.9M14.30%0.39%0.27%48.6%
Q2 202580$45.7M13.65%0.27%0.27%45.9%
Q1 202580$46.0M13.50%0.21%0.32%45.4%
Q4 202486$43.8M14.10%0.10%0.65%49.7%
Q3 202484$43.5M14.14%0.40%0.75%48.5%
Q2 202484$44.7M13.61%0.25%0.80%47.6%

2,479 peers · Under $100 million in assets

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 ratio13.88%
46th
Problem loans0.37%
65th
Net charge-offs0.48%
28th
Return on assets-0.02%
18th
Loans to deposits47.0%
68th
Uninsured deposits1.8%
46th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
65th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Savannah Schools Federal Credit UnionCredit union Savannah, GA61 out of 100, Moderate$45.4M11.3%1.29%vs
B.O.N.D. Community Federal Credit UnionCredit union Atlanta, GA33 out of 100, Low$44.1M10.9%3.63%vs
H E a Federal Credit UnionCredit union Warner Robins, GA73 out of 100, Strong$42.9M13.5%2.17%vs
Faith Connection Federal Credit UnionCredit union Marietta, GA55 out of 100, Moderate$32.4M10.3%1.31%vs
Artesian Federal Credit UnionCredit union Leesburg, GA48 out of 100, Below average$29.1M10.3%1.55%vs
Coweta Cities & County Employees Federal Credit UnionCredit union Newnan, GA96 out of 100, Very strong$28.1M20.4%0.00%vs

Deposit insurance

Is my money safe at On the Grid Financial Federal Credit Union?

Yes. On the Grid Financial Federal Credit Union is a federally insured credit union (NCUA charter #383). 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 1.8% of shares and deposits ($704K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
On the Grid Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
383
RSSD ID
726878
Primary regulator
NCUA
Established
1935
Headquarters
5901 Peachtree Dunwoody Rd Ste A275, Atlanta, GA 30328
Employees
7

Quick answers

On the Grid Financial Federal Credit Union: common questions

Is On the Grid Financial Federal Credit Union NCUA insured?

Yes. On the Grid Financial Federal Credit Union is a federally insured credit union (NCUA charter #383). 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 On the Grid Financial Federal 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.