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3048 Eagle Dr
Woodstock, GA 30189-5531

Credit Union of Georgia is headquartered in Woodstock and is the 12st largest credit union in the state of Georgia. It is also the 853rd largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 58 employees and 32,829 members. Credit Union of Georgia has a A health rating.

Field of Membership Restrictions

Eligibility offered to residents, employees, and students of certain counties and employers and schools. - See Details

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Reviews (2)

Unorganized And Rude

This credit union doesn't offer the family friendly environment that they advertise. They are extremely difficult to work with if you miss a payment even if you walk in the door and ask for help. I received a letter with a person's name signed to it, and when I called her just a day or two later, I was told she hadn't worked there for 6 months.

Credit Union Of Georgia

The Credit Union of Georgia is a small credit union with branches located in Paulding and Cobb County Georgia. This credit union is reserved for employees of Cobb county and their family members, and I just happen to be lucky enough to have a mother who works for the Cobb County school district. I first opened an account here about a year ago, and I love it. The people working there are very friendly and personable, and they actually seem to care about their customers. As far as comparing this credit union to others, I really can't, since this is the first and only bank account I've ever had. However, if you're looking to bank with a friendly credit union, and happen to work for or are related to someone who works for Cobb County, I highly recommend it.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Credit Union of Georgia had $605,000 in non-current loans and owned real-estate with $19.89 million in equity and loan loss allowances on hand to cover it. This gives Credit Union of Georgia a Texas Ratio of 3.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Credit Union of Georgia experienced no significant changes from 3.06% as of March 31, 2013 to 3.04% as of March 31, 2014, resulting in a positive change of 0.62%.This indicates that the balance sheet and financial strength for Credit Union of Georgia has had no significant changes in recent periods.

Deposit Growth


In the past year, Credit Union of Georgia has increased its total deposits by $10.48 million, resulting in 5.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Credit Union of Georgia has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Credit Union of Georgia has $227.96 million in assets with $19.89 million in equity, resulting in a capitalization level of 8.72%, which is average.

Institution Statistics

NCUA #68571
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$227.96 million
Loans$125.52 million
Deposits$207.91 million
Equity Capital$18.39 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$575,000
Real Estate Owned$30,000
Historic Data - March 2013
Assets$214.67 million
Equity Capital$15.39 million
Loan Loss Allowance$2.12 million
Unbacked Noncurrent Loans$575,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.33%
Return on Assets1.65%
Return on Equity20.49%
Interest Income$1.88 million

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Credit Union of Georgia Savings Account Rates

0.13%$10k-HSA Checking
0.13%$10k-Variable IRA Shares
0.10%$2,500-High Yield Share
0.02%--Regular Savings

Credit Union of Georgia Money Market Rates

0.10%$10k-Money Market Account

Credit Union of Georgia Checking Account Rates

0.05%$2,500-Direct Connect Checking
0.05%$2,500-Legacy Checking

Credit Union of Georgia CD Rates

1.00%$500-60 Month Share Certificate
0.75%$500-48 Month Share Certificate
0.55%$500-36 Month Share Certificate
0.45%$500-24 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate

Credit Union of Georgia IRA Rates

1.00%$500-60 Month IRA Certificate
0.75%$500-48 Month IRA Certificate
0.55%$500-36 Month IRA Certificate
0.45%$500-24 Month IRA Certificate
0.30%$500-12 Month IRA Certificate
0.20%$500-6 Month IRA Certificate

Credit Union of Georgia Locations
Branch Office69 South Ave SEMarietta, GA 30060-2357
Branch Office3048 Eagle DrWoodstock, GA 30189-5531
Branch Office140 Riverstone Pkwy Ste 101Canton, GA 30114-2566
Branch Office4075 Charles Hardy Pkwy Ste 148Dallas, GA 30157-3317
Branch Office3333 Busbee Dr NW Ste 120Kennesaw, GA 30144-3216