TellerScore

Headquartered in Duluth, Georgia, Platinum Federal Credit Union is a federal credit union with $412.6M in total assets and $374.1M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1999.

Based on its Q2 2026 filing, Platinum Federal Credit Union scores 75/100, which we describe as strong. That is higher than 66% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 29th. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is capital cushion (53/100; 10.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.32%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity79/100
Loans ÷ shares: 69.6% · 26.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.97%

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 2 points (73 → 75), mostly because the capital cushion component improved by 5 points.

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202472
Q1 202573
Q2 202573
Q3 202576
Q4 202572
Q1 202674
Q2 202675
Net worth ratio
7.00%8.71%10.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.65%
Q3 20249.74%
Q4 20249.35%
Q1 20259.78%
Q2 20259.80%
Q3 202510.18%
Q4 202510.42%
Q1 202610.37%
Q2 202610.32%
Delinquent loans (60+ days)
0.26%0.44%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.26%
Q4 20240.27%
Q1 20250.38%
Q2 20250.28%
Q3 20250.27%
Q4 20250.63%
Q1 20260.28%
Q2 20260.29%
Return on assets
1.36%1.50%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.52%
Q3 20241.46%
Q4 20241.49%
Q1 20251.50%
Q2 20251.37%
Q3 20251.58%
Q4 20251.64%
Q1 20261.36%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$412.6M10.32%0.29%1.39%69.6%
Q1 202674$389.9M10.37%0.28%1.36%73.7%
Q4 202572$347.4M10.42%0.63%1.64%82.3%
Q3 202576$350.5M10.18%0.27%1.58%77.3%
Q2 202573$346.0M9.80%0.28%1.37%76.4%
Q1 202573$331.7M9.78%0.38%1.50%78.7%
Q4 202472$320.0M9.35%0.27%1.49%79.2%
Q3 202474$320.1M9.74%0.26%1.46%73.4%
Q2 202473$293.5M9.65%0.33%1.52%77.9%

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).

Capital ratio10.32%
34th
Problem loans0.29%
82nd
Net charge-offs0.33%
53rd
Return on assets1.39%
85th
Loans to deposits69.6%
62nd
Uninsured deposits26.0%
1st
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Cdc Federal Credit UnionCredit union Atlanta, GA57 out of 100, Moderate$414.4M9.6%0.71%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Midsouth Community Federal Credit UnionCredit union Macon, GA77 out of 100, Strong$484.5M14.3%0.98%vs
Marshland Credit UnionCredit union Brunswick, GA64 out of 100, Moderate$272.9M8.7%0.22%vs

Deposit insurance

Is my money safe at Platinum Federal Credit Union?

Yes. Platinum Federal Credit Union is a federally insured credit union (NCUA charter #24631). 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 26.0% of shares and deposits ($97.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.32%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Platinum Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Platinum Federal Credit Union
Type
Federal credit union
NCUA charter #
24631
RSSD ID
2872694
Primary regulator
NCUA
Established
1999
Headquarters
1815 Satellite Blvd Ste 200, Duluth, GA 30097
Employees
79

Quick answers

Platinum Federal Credit Union: common questions

Is Platinum Federal Credit Union NCUA insured?

Yes. Platinum Federal Credit Union is a federally insured credit union (NCUA charter #24631). 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 Platinum Federal Credit Union's TellerScore?

75 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 Platinum Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.