Overview / Commentary
North Georgia Credit Union is headquartered in Toccoa and is the 32nd largest credit union in the state of Georgia. It is also the 1,742nd largest credit union in the nation. It was established in 1991 and as of March of 2025, it had grown to 46 employees and 12,181 members at 4 locations. North Georgia Credit Union has an A+ health rating.
Field of Membership Restrictions
Membership in North Georgia Credit Union is open to those who live in the Georgia counties of Franklin, Hart, Rabun, or Stephens. Membership is also open to employees of more 110 area Select Employer Groups, including Franklin County, Hart County Board of Education, Rabun County Board of Education, and Stephens County Hospital.
See current membership details
Health
A+
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67395 |
| Year Chartered | 1991 |
| Employees | 46 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.97% |
| Return on Equity - YTD | 8.31% |
| Annual Interest Income | $1.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $111.3MM$104.1MM |
| Loans | Q1 2025vs Q1 2024 | $82.2MM$77.8MM |
| Deposits | Q1 2025vs Q1 2024 | $97.2MM$91.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $12.6MM$11.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $421K$399K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $379K$323K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$283K |