NORTH GEORGIA
State-Chartered • Toccoa, Georgia • Est. 1991
Quick Facts
- Charter Number
- #67395
- Type
- State-Chartered
- Established
- 1991
- Headquarters
- Toccoa, Georgia 30577
- Address
- P.O. Box 280
- Branches
- 5
- ATMs
- 5
- Members
- 11,544
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
11,544 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTH GEORGIA |
|---|---|
| Total Assets | $116.4M |
| Members | 11,544 |
| Loans Outstanding | $88.1M |
| Shares & Deposits | $99.4M |
| Net Worth | $13.2M |
| Net Worth Ratio | 11.36% |
| Loan-to-Share Ratio | 88.6% |
| Delinquency Rate | 0.48% |
| Net Income | +$1,167,493 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
Toccoa - Corporate Office
Main Office695 Big A Rd
Toccoa, GA 30577-6023
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 30525-5482
Toccoa - Mize Rd Branch
1067 Mize Rd
Toccoa, GA 30577
Who Can Join NORTH GEORGIA?
Membership Type: Community
Membership eligibility for NORTH GEORGIA may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTH GEORGIA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Georgia RankingsFrequently Asked Questions
Yes. NORTH GEORGIA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NORTH GEORGIA has 11,544 members and a potential membership field of 91,000 people.
NORTH GEORGIA's net worth ratio is 11.36% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.4%, NORTH GEORGIA meets this threshold.
NORTH GEORGIA operates 5 branch locations and has access to 5 ATMs. The main office is located at 695 Big A Rd, Toccoa, GA 30577-6023.
NORTH GEORGIA was established in 1991. It is a state-chartered credit union chartered under charter number 67395. The institution has been serving members for 35 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTH GEORGIA. All financial data is for informational purposes only.