Charter 67395 · Toccoa, GA
North Georgia Credit Union
North Georgia Credit Union is a state-chartered credit union in Toccoa, Georgia, with $122 million in assets and 11,777 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.15%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $122 million
- +8.8% in a year
- Members
- 11,777
- -3.6% in a year
- Net worth ratio
- 11.15%
- Peer median 11.65%
- Loans 60+ days late
- 0.39%
- Peer median 0.70%
- Loans outstanding
- $89.3 million
- +4.7% in a year
- Shares and deposits
- $106 million
- +9.3% in a year
- Branches
- 5
- 48 employees
- Opened
- 1991
- Georgia charter
How North Georgia Credit Union compares
NCUA groups credit unions by size; North Georgia Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.15% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.39%, is lower than the group median of 0.70%. Loans grew 4.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 29 of 71 credit unions headquartered in Georgia. See all Georgia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $122 million | 11,777 | $89.3 million | 11.15% | 0.39% |
| Q1 2026 | $116 million | 11,638 | $88.5 million | 11.46% | 0.46% |
| Q4 2025 | $116 million | 11,544 | $88.1 million | 11.36% | 0.48% |
| Q3 2025 | $114 million | 12,175 | $87.2 million | 11.53% | 0.47% |
| Q2 2025 | $112 million | 12,216 | $85.3 million | 11.50% | 0.47% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 91,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for North Georgia Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Toccoa - Corporate Office (main office)
695 Big A Rd, Toccoa, GA 30577 - Lavonia Branch
11850 Augusta Rd, Lavonia, GA 30553 - Hartwell Branch
249 E Franklin St, Hartwell, GA 30643 - Clayton Branch
579 Highway 441 S, Clayton, GA 30525 - Toccoa - Mize Rd Branch
1067 Mize Rd, Toccoa, GA 30577
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology