GEORGIA UNITED Credit Union Profile

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GEORGIA UNITED

Charter #68607 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (770) 476-6400

Fax: (770) 476-6433

Founding Date: N/A

Website: http://www.gucu.org

Personnel & Operations

President: Dickson, Tom

Manager: Smith, Debbie

FT Employees: 340

PT Employees: 10

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 15

Hours: M-F: 9:00 AM - 5:00 PM

Credit Union Profile Summary

GEORGIA UNITED is a FISCU Credit Union. With a total of 153,699 members ^[1], this institution manages approximately $2,375,115,040 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.82% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.79% ^[1].

Financial Snapshot

Total Assets ^[1]

$2,375,115,040

Total economic resources.

Total Loans ^[1]

$1,734,043,316

Total value of outstanding loans.

Total Deposits ^[1]

$2,007,717,532

Total funds deposited by members.

Members ^[1]

153,699

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.82%

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]

0.67%

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

Loan-to-Share Ratio ^[1]

86.37%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 6.73%

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

Loan Growth (4Q) ^[1]

↑ 0.79%

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

Member Growth (4Q) ^[1]

↑ 3.67%

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

Headquarters Location & Map

Headquarters Address

6705 SUGARLOAF PKWY

DULUTH, GA, 30097-4356

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 13 branches reported by GEORGIA UNITED (Charter #68607).

Main Office

Sugarloaf Office Main Office

Type: Corporate Office

6705 Sugarloaf Pkwy

Duluth, GA 30097-4356

Phone: (770) 476-6400

Services: None specified

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Additional Branches

Athens

Athens Office

Type: Branch Office

190 Gaines School Rd

Athens, GA 30605-3118

Phone: (770) 476-6400

Services: Member Services, ATM, Drive-Thru

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Atlanta

Whitehall

Type: Branch Office

400 Whitehall St SW

Atlanta, GA 30303

Phone: (770) 476-6400

Services: Member Services, ATM, Drive-Thru

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