Credit union
Center PARC Credit Union
Atlanta, Georgia, Fulton County, GA
$2.4B in total assets and 127,515 members, the 221st largest of 4,298 US credit unions and 6th of 71 headquartered in Georgia.
- NCUA charter
- 67389
- Charter
- State chartered (GA)
- Chartered
- 1925
- NCUA insured since
- 1991
- Low-income designation
- Yes
- Website
- http://www.mycenterparc.com
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.4B | 56% | $2.1B | |
| Loans | $1.9B | 61% | $1.5B | |
| Deposits (shares) | $2.1B | 58% | $1.8B | |
| Members | 127,515 | 55% | 117,912 | |
| Return on assets | 0.47% | 20% | 0.82% | |
| Net interest income to assets | 3.07% | 27% | 3.42% | |
| Efficiency ratio | 72.5% | 53% | 71.7% | |
| Net worth ratio | 13.83% | 86% | 10.86% | |
| Loans to shares | 92% | 61% | 88% | |
| Cost of deposits | 2.12% | 75% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 1.6% a year over 10 years but fell 0.9% a year over the last 5, without mergers. Membership grew 4.5% a year over 5 years, to 127,515.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Apr 2016 | Macon Water Works Credit Union Credit union, Macon, GA | $2M |
| Jul 2014 | Members Alliance Federal Credit Union Credit union, Columbus, GA | $26M |
| Apr 2014 | Floyd County Postal Emp Credit Union Credit union, Rome, GA | $4M |
| Oct 2013 | Asheville Postal Credit Union Credit union, Asheville, NC | $4M |
| Oct 2012 | Smith and Sons Employees Credit Union Credit union, Macon, GA | $329K |
| Jul 2012 | Human Services Employees' Credit Union Credit union, Atlanta, GA | $24M |
Where they operate
10 branches in 8 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Fulton County, GA | 3 | 1.0% | 17 of 70 |
| Bibb County, GA | 1 | 1.7% | 16 of 24 |
| Chatham County, GA | 1 | 1.1% | 23 of 34 |
| Dekalb County, GA | 1 | 0.7% | 27 of 39 |
| Floyd County, GA | 1 | 4.3% | 6 of 16 |
| Gwinnett County, GA | 1 | 0.5% | 27 of 57 |
| Muscogee County, GA | 1 | 2.2% | 10 of 17 |
| Newton County, GA | 1 | 9.1% | 1 of 11 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 13 | |
| 2017 | 13 | 0 |
| 2018 | 13 | 0 |
| 2019 | 13 | 0 |
| 2020 | 15 | +2 |
| 2021 | 15 | 0 |
| 2022 | 16 | +1 |
| 2023 | 15 | −1 |
| 2024 | 15 | 0 |
| 2025 | 10 | −5 |
| Jun 2026 | 10 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.03% | 0.69% |
| Net worth ratio | 13.83% | 10.86% |
| Loans to shares | 92% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Georgia
Most branches in Fulton County, GA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.