Credit union
Georgia's Own Credit Union
Atlanta, Georgia, Fulton County, GA
$4.2B in total assets and 240,275 members, the 120th largest of 4,298 US credit unions and 3rd of 71 headquartered in Georgia.
- NCUA charter
- 67390
- Charter
- State chartered (GA)
- Chartered
- 1934
- NCUA insured since
- 1991
- Low-income designation
- Yes
- Website
- http://www.georgiasown.org
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 | $4.2B | 79% | $2.1B | |
| Loans | $3.2B | 79% | $1.5B | |
| Deposits (shares) | $3.6B | 79% | $1.8B | |
| Members | 240,275 | 82% | 117,912 | |
| Return on assets | -1.10% | 2% | 0.82% | |
| Net interest income to assets | 3.34% | 44% | 3.42% | |
| Efficiency ratio | 68.8% | 40% | 71.8% | |
| Net worth ratio | 9.99% | 30% | 10.89% | |
| Loans to shares | 88% | 50% | 88% | |
| Cost of deposits | 1.78% | 49% | 1.79% |
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 7.4% a year over 10 years and 5.6% a year over the last 5, including 7 mergers in the last 10 years. Membership grew 3.2% a year over 5 years, to 240,275.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jul 2023 | Health Center Credit Union Credit union, Augusta, GA | $71M |
| Nov 2022 | Vinings Bank Bank, Smyrna, GA | $523M |
| Jul 2022 | United 1st Credit Union Credit union, Kingsland, GA | $253M |
| Oct 2021 | Fort McPherson Credit Union Credit union, Atlanta, GA | $27M |
| Jul 2020 | Three Rivers Credit Union Credit union, Bainbridge, GA | $13M |
| Jan 2020 | DOCO Credit Union Credit union, Albany, GA | $199M |
| Aug 2018 | State Bank of Georgia Bank, Fayetteville, GA | $96M |
| Feb 2015 | SPC Federal Credit Union Credit union, Atlanta, GA | $938K |
| Dec 2011 | The Thrift Credit Union Credit union, Atlanta, GA | $9M |
| Nov 2010 | Georgia State University Federal Credit Union Credit union, Atlanta, GA | $14M |
| Oct 2010 | Chevron Southern Credit Union Credit union, Atlanta, GA | $4M |
Where they operate
29 branches in 21 counties.
1 of 29 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Fulton County, GA | 5 | 1.7% | 12 of 70 |
| Gwinnett County, GA | 3 | 1.5% | 15 of 57 |
| Cobb County, GA | 2 | 1.1% | 17 of 40 |
| Dekalb County, GA | 2 | 1.4% | 13 of 39 |
| Camden County, GA | 1 | 10.0% | 4 of 7 |
| Charlton County, GA | 1 | 33.3% | 1 of 3 |
| Chatham County, GA | 1 | 1.1% | 23 of 34 |
| Clayton County, GA | 1 | 3.2% | 9 of 16 |
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 | 24 | |
| 2017 | 24 | 0 |
| 2018 | 24 | 0 |
| 2019 | 31 | +7 |
| 2020 | 27 | −4 |
| 2021 | 29 | +2 |
| 2022 | 34 | +5 |
| 2023 | 33 | −1 |
| 2024 | 35 | +2 |
| 2025 | 29 | −6 |
| Jun 2026 | 29 | 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 | 1.15% | 0.69% |
| Net worth ratio | 9.99% | 10.89% |
| Loans to shares | 88% | 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.