Overview / Commentary
On The Grid Financial is headquartered in Atlanta and is the 37th largest credit union in the state of Georgia. It is also the 2,496th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 7 employees and 4,094 members at 1 location. On The Grid Financial has a B+ health rating.
Field of Membership Restrictions
Must be an employee who work regularly at entities engaged in the electric power generation, transmission or distribution industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee or Virginia. Also open to employees of other select companies and organizations.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. On The Grid Financial has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 383 |
| Year Chartered | 1935 |
| Employees | 7 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.32% |
| Return on Equity - YTD | 2.35% |
| Annual Interest Income | $481K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $46MM$45.5MM |
| Loans | Q1 2025vs Q1 2024 | $17.9MM$17.9MM |
| Deposits | Q1 2025vs Q1 2024 | $39.5MM$38.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $6.2MM$6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $31K$29K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $37K$50K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |