--- title: Georgia United Credit Union url: https://lender.report/lender/georgia-united-credit-union-ga/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: null, rssd: 319083, ncua: 68607, lei: 549300TE5E6DWAI74K71} --- # Georgia United Credit Union > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Georgia United Credit Union, https://lender.report/lender/georgia-united-credit-union-ga/, data as of June 30, 2026. Credit union, Duluth, GA. Regulator: NCUA and state regulator. Identifiers: NCUA charter 68607; RSSD 319083; LEI 549300TE5E6DWAI74K71. ## Facts, each with its source and date - Reported $2.5B in total assets as of June 30, 2026 (NCUA 5300). - Held $56.9M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300). - Held $44.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 17.9% from a year earlier (NCUA 5300). - Held $6.6M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300). - Held $5.5M of commercial and industrial loans as of June 30, 2026 (NCUA 5300). - Originated 21 1-4 unit investor or business-purpose loans totaling $4M in 2025 (HMDA). - Originated 3 real-estate-secured commercial loans totaling $5.8M in the first half of 2026 (NCUA 5300). - Estimated member business loan cap of about $309.7M (estimate, lesser of 1.75 times net worth or 12.25% of assets, June 30, 2026 NCUA 5300). - Held $16M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300). - Listed 15 offices in 1 state (NCUA). ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $0 | 0% | -100.0% | | Construction and land development | $0 | 0% | not reported | | Owner-occupied CRE | $6.59M | 0.36% | -1.6% | | Non-owner-occupied CRE | $44.8M | 2.47% | +17.9% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $5.53M | 0.31% | -10.4% | | Other real-estate-secured commercial, chiefly business-purpose 1-4 family | $0 | 0% | not reported | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | 1-4 unit investor or business purpose | 2025 | 21 | $3.98M | CFPB HMDA | Credit union filing, first half of 2026: bought $0 of commercial participations; holds $16.0M. ## Where it lends 15 offices in 1 states (June 30, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $40.9M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 71.76% | Total loans divided by total assets | | Loans to deposits | 84.52% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: http://www.gucu.org (from the regulator record or the lender's own site) - Phone: (770) 476-6400 - Regulator record: https://mapping.ncua.gov/singlecreditunion/Details/68607 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/georgia-united-credit-union-ga/ License: https://lender.report/license/