TellerScore

Peach State Federal Credit Union is a federal credit union headquartered in Lawrenceville, Georgia, in business for about 65 years. At the end of Q2 2026 it reported $1.1B in total assets and $1.0B in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, Peach State Federal Credit Union scores 68/100, which we describe as moderate. That is higher than 50% of 454 credit unions with $1 billion – $10 billion. Among 71 credit unions headquartered in Georgia, it ranks 39th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is capital cushion (42/100; 9.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.18%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity85/100
Loans ÷ shares: 74.9% · 4.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.56%

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 rose 3 points (65 → 68), mostly because the capital cushion component improved by 5 points.

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202464
Q1 202568
Q2 202565
Q3 202566
Q4 202566
Q1 202667
Q2 202668
Net worth ratio
7.00%8.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.36%
Q3 20248.39%
Q4 20248.39%
Q1 20259.13%
Q2 20258.66%
Q3 20258.76%
Q4 20258.89%
Q1 20269.03%
Q2 20269.18%
Delinquent loans (60+ days)
0.32%0.39%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.42%
Q4 20240.44%
Q1 20250.37%
Q2 20250.44%
Q3 20250.43%
Q4 20250.46%
Q1 20260.35%
Q2 20260.32%
Return on assets
0.73%0.82%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.78%
Q4 20240.73%
Q1 20250.84%
Q2 20250.78%
Q3 20250.83%
Q4 20250.84%
Q1 20260.77%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.1B9.18%0.32%0.80%74.9%
Q1 202667$1.1B9.03%0.35%0.77%73.8%
Q4 202566$1.1B8.89%0.46%0.84%75.1%
Q3 202566$1.1B8.76%0.43%0.83%74.2%
Q2 202565$1.1B8.66%0.44%0.78%71.2%
Q1 202568$1.1B9.13%0.37%0.84%69.6%
Q4 202464$1.0B8.39%0.44%0.73%70.3%
Q3 202465$1.0B8.39%0.42%0.78%71.5%
Q2 202466$934.7M8.36%0.40%0.90%72.0%

454 peers · $1 billion – $10 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 ratio9.18%
13th
Problem loans0.32%
88th
Net charge-offs0.31%
76th
Return on assets0.80%
50th
Loans to deposits74.9%
80th
Uninsured deposits4.5%
91st
Loan-loss reserves0.00%
50th
Texas ratio2.6%
80th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Lge Community Credit UnionCredit union Marietta, GA71 out of 100, Strong$2.4B12.0%0.47%vs
Center Parc Credit UnionCredit union Atlanta, GA69 out of 100, Moderate$2.4B13.8%1.03%vs
Georgia United Credit UnionCredit union Duluth, GA67 out of 100, Moderate$2.5B11.1%0.89%vs
Associated Credit UnionCredit union Norcross, GA77 out of 100, Strong$2.5B13.0%0.30%vs
Georgia'S Own Credit UnionCredit union Atlanta, GA50 out of 100, Below average$4.2B10.0%1.15%vs
Robins Financial Credit UnionCredit union Warner Robins, GA94 out of 100, Very strong$5.0B17.6%0.40%vs

Deposit insurance

Is my money safe at Peach State Federal Credit Union?

Yes. Peach State Federal Credit Union is a federally insured credit union (NCUA charter #14676). 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 4.5% of shares and deposits ($45.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Peach State Federal Credit Union lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peach State Federal Credit Union reported 349 home-loan applications under HMDA (LEI 549300BYOVJ9X6PKXV28): 212 originated ($33,220,000 total), 97 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.7%, 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
Peach State Federal Credit Union
Type
Federal credit union
NCUA charter #
14676
RSSD ID
632380
Primary regulator
NCUA
Established
1961
Headquarters
1505 Lakes Pkwy Ste 100, Lawrenceville, GA 30043
Employees
259

Quick answers

Peach State Federal Credit Union: common questions

Is Peach State Federal Credit Union NCUA insured?

Yes. Peach State Federal Credit Union is a federally insured credit union (NCUA charter #14676). 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 Peach State Federal Credit Union'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 Peach State Federal Credit Union have?

7 offices as of the latest NCUA data.