NORTH GEORGIA Credit Union Profile

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NORTH GEORGIA

Charter #67395 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (706) 886-1441

Fax: (706) 886-3757

Founding Date: N/A

Website: http://www.ngcu.org

Personnel & Operations

President: Herron, Michael

Manager: Akin, Brian

FT Employees: 47

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: Monday-Friday 8:30am - 5:00pm Saturday 9:0

Credit Union Profile Summary

NORTH GEORGIA is a FISCU Credit Union. With a total of 12,216 members [1], this institution manages approximately $111,863,488 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.5% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.74% [1].

Financial Snapshot

Total Assets [1]
$111,863,488

Total economic resources.

Total Loans [1]
$85,270,519

Total value of outstanding loans.

Total Deposits [1]
$96,920,583

Total funds deposited by members.

Members [1]
12,216

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.5%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.97%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
87.98%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 8.29%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 8.74%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 2.20%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

695 Big A Rd

Toccoa, GA, 30577-6023
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by NORTH GEORGIA (Charter #67395).

Main Office

Toccoa - Corporate Office Main Office

Type: Corporate Office

1067 Mize Rd

Toccoa, GA 30577-5845

Phone: (706) 886-1441

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Hartwell

Hartwell Branch

Type: Branch Office

249 E Franklin St

Hartwell, GA 30643

Phone: (706) 376-6961

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lavonia

Lavonia Branch

Type: Branch Office

11850 Augusta Rd

Lavonia, GA 30553

Phone: (706) 356-7001

Services: Member Services, ATM

Open in Directions