Credit union
Peach State Federal Credit Union
Lawrenceville, Georgia, Gwinnett County, GA
$1.1B in total assets and 76,348 members, the 438th largest of 4,298 US credit unions and 8th of 71 headquartered in Georgia.
- NCUA charter
- 14676
- Charter
- Federal
- Chartered
- 1961
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily educational
- Low-income designation
- Yes
- Website
- http://www.peachstatefcu.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 | $1.1B | 9% | $2.1B | |
| Loans | $755M | 8% | $1.5B | |
| Deposits (shares) | $1.0B | 14% | $1.8B | |
| Members | 76,348 | 25% | 118,683 | |
| Return on assets | 0.81% | 49% | 0.82% | |
| Net interest income to assets | 3.64% | 65% | 3.42% | |
| Efficiency ratio | 78.6% | 78% | 71.7% | |
| Net worth ratio | 9.18% | 13% | 10.89% | |
| Loans to shares | 75% | 20% | 88% | |
| Cost of deposits | 1.21% | 12% | 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 13.6% a year over 10 years and 8.7% a year over the last 5, including 9 mergers in the last 10 years. Membership grew 4.2% a year over 5 years, to 76,348.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Sep 2024 | Pinnacle Credit Union Credit union, Atlanta, GA | $88M |
| Dec 2022 | Pickens Federal Credit Union Credit union, Pickens, SC | $28M |
| Dec 2022 | Abbeville Community Federal Credit Union Credit union, Abbeville, SC | $13M |
| Nov 2018 | Stephens-Franklin Teachers Federal Credit Union Credit union, Toccoa, GA | $20M |
| Aug 2018 | Towns-Union Educators' Federal Credit Union Credit union, Young Harris, GA | $3M |
| Apr 2018 | Lakelands Federal Credit Union Credit union, Greenwood, SC | $13M |
| Dec 2017 | Southeast Federal Credit Union Credit union, Cornelia, GA | $64M |
| Nov 2016 | Beech Island Credit Union Credit union, Beech Island, SC | $7M |
| Aug 2016 | RCT Federal Credit Union Credit union, Augusta, GA | $7M |
| Jul 2015 | Richmond Community Federal Credit Union Credit union, Gracewood, GA | $19M |
| Jan 2012 | Peach State Federal Credit Union Credit union, Avondale Estate, GA | $14M |
| May 2011 | South Dekalb Church Federal Credit Union Credit union, Decatur, GA | $3M |
Where they operate
30 branches in 21 counties.
1 of 30 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Gwinnett County, GA | 6 | 3.0% | 10 of 57 |
| Dekalb County, GA | 3 | 2.1% | 11 of 39 |
| Richmond County, GA | 2 | 4.1% | 9 of 23 |
| Walton County, GA | 2 | 10.5% | 2 of 13 |
| Barrow County, GA | 1 | 5.3% | 4 of 12 |
| Chattooga County, GA | 1 | 12.5% | 3 of 6 |
| Clarke County, GA | 1 | 2.9% | 7 of 21 |
| Columbia County, GA | 1 | 2.3% | 13 of 22 |
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 | 15 | |
| 2017 | 19 | +4 |
| 2018 | 24 | +5 |
| 2019 | 25 | +1 |
| 2020 | 24 | −1 |
| 2021 | 25 | +1 |
| 2022 | 27 | +2 |
| 2023 | 27 | 0 |
| 2024 | 30 | +3 |
| 2025 | 30 | 0 |
| Jun 2026 | 30 | 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 | 0.32% | 0.69% |
| Net worth ratio | 9.18% | 10.89% |
| Loans to shares | 75% | 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 Gwinnett 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.