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Credit union, Atlanta, GA
Georgia's Own Credit Union
A credit union based in Atlanta, GA. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $593M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 28
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 37
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.22B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 404-874-1166 From the NCUA record, June 30, 2026.
- Website
- www.georgiasown.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- georgiasown.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- GEORGIA'S OWNNCUA 5300,
- Address
- P.O. Box 105205, Atlanta, GA 30348NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 36 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 5.4% to $232.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 9.2% to $57.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Georgia | SBA 7(a), Administrative Management and General Management Consulting Services | $370K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Other Activities Related to Real Estate | $290K | 8.75% | 25 yr | SBA FOIA | |
| Jun 2026 | Georgia | SBA 7(a), Fitness and Recreational Sports Centers | $680K | 8.75% | 10 yr | SBA FOIA | |
| May 2026 | Georgia | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $720K | 8.5% | 25 yr | SBA FOIA | |
| Mar 2026 | Georgia | SBA 7(a), Interior Design Services | $410K | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Georgia | SBA 7(a), Flooring Contractors | $260K | 8% | 10 yr | SBA FOIA | |
| Jan 2026 | Georgia | SBA 7(a), All Other Personal Services | $1.3M | 9.25% | 10 yr | SBA FOIA | |
| 2025 | DeKalb County, GA | Refinance, 5 to 24 units | $960K | 7.5% | 5 yr | 73% | HMDA 2025 |
| Apr 2025 | Alabama | SBA 7(a), Manufacturing | $900K | 8.5% | 25 yr | SBA FOIA | |
| Mar 2025 | Georgia | SBA 7(a), Landscaping Services | $350K | 9% | 10 yr | SBA FOIA | |
| Mar 2025 | Georgia | SBA 7(a), All Other Personal Services | $310K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2025 | Georgia | SBA 7(a), Full-Service Restaurants | $850K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2025 | Georgia | SBA 7(a), Offices of Certified Public Accountants | $360K | 9.5% | 10 yr | SBA FOIA | |
| Nov 2024 | Georgia | SBA 7(a), Gasoline Stations with Convenience Stores | $5M | 8% | 26 yr | SBA FOIA | |
| Nov 2024 | Georgia | SBA 7(a), Gasoline Stations with Convenience Stores | $1.3M | 9% | 25 yr | SBA FOIA | |
| Oct 2024 | Georgia | SBA 7(a), Beer, Wine, and Liquor Retailers | $1.7M | 9% | 25 yr | SBA FOIA | |
| Oct 2024 | Georgia | SBA 7(a), Coin-Operated Laundries and Drycleaners | $430K | 10% | 10 yr | SBA FOIA | |
| Sep 2024 | Georgia | SBA 7(a), Gasoline Stations with Convenience Stores | $5M | 10% | 25 yr | SBA FOIA | |
| Aug 2024 | Georgia | SBA 7(a), Limited-Service Restaurants | $750K | 10.5% | 11 yr | SBA FOIA | |
| Aug 2024 | Georgia | SBA 7(a), Other Personal Care Services | $290K | 10.5% | 10 yr | SBA FOIA | |
| Jul 2024 | Georgia | SBA 7(a), Coin-Operated Laundries and Drycleaners | $540K | 10.5% | 10 yr | SBA FOIA | |
| Jun 2024 | Georgia | SBA 7(a), Gasoline Stations with Convenience Stores | $2.5M | 9.5% | 26 yr | SBA FOIA | |
| Jun 2024 | Georgia | SBA 7(a), Fitness and Recreational Sports Centers | $260K | 10.5% | 26 yr | SBA FOIA | |
| Jun 2024 | Georgia | SBA 7(a), Limited-Service Restaurants | $240K | 10.5% | 10 yr | SBA FOIA | |
| Apr 2024 | Georgia | SBA 7(a), Other Individual and Family Services | $300K | 10% | 26 yr | SBA FOIA | |
| 36 SBA 7(a) loans since October 2023, net of cancelled | $43.6M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $33.6M | 1.1% | -3.7% | 28 | $1.20M |
| Construction and land development | $57.7M | 1.8% | +9.2% | 21 | $2.75M |
| Owner-occupied CRE | $245M | 7.7% | -6.3% | 251 | $974K |
| Non-owner-occupied CRE | $233M | 7.4% | +5.4% | 150 | $1.55M |
| Farmland | $811K | 0.0% | Not reported | 2 | $406K |
| Commercial and industrial | $23.8M | 0.8% | -43.7% | 162 | $147K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $593M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $505M |
| Q4 2023 | $514M |
| Q1 2024 | $500M |
| Q2 2024 | $524M |
| Q3 2024 | $519M |
| Q4 2024 | $537M |
| Q1 2025 | $554M |
| Q2 2025 | $613M |
| Q3 2025 | $611M |
| Q4 2025 | $609M |
| Q1 2026 | $612M |
| Q2 2026 | $593M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $960K | $960K | $960K | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 108 | $26.3M | $195K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 36 | $43.6M | $677K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 7 | $4.00M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $7.8M | $7.8M | $7.8M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 28 | $45.9M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 2 | $1.80M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $1.4M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 12 | $16.4M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 13 | $26.2M | NCUA 5300, | ||
| C&I | First half of 2026 | 9 | $3.51M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $2.75M |
| Multifamily | $1.20M |
| Owner-occupied CRE | $974K |
| Non-owner-occupied CRE | $1.55M |
| Farmland | $406K |
| Commercial and industrial | $147K |
| Industry | Loans | Dollars |
|---|---|---|
| Gasoline Stations with Convenience Stores | 8 | $24.9M |
Other lenders in these fields: SBA lenders for gas stations and convenience stores.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Georgia HQ | 30 | 1 | 73 | 35 | 1 |
| Oregon | 0 | 0 | 6 | 0 | 0 |
| North Carolina | 0 | 0 | 4 | 0 | 0 |
| Alabama | 0 | 0 | 2 | 1 | 0 |
| Florida | 0 | 0 | 3 | 0 | 0 |
| Arizona | 0 | 0 | 2 | 0 | 0 |
| California | 0 | 0 | 2 | 0 | 0 |
| Colorado | 0 | 0 | 2 | 0 | 0 |
| New Jersey | 0 | 0 | 2 | 0 | 0 |
| South Carolina | 0 | 0 | 2 | 0 | 0 |
| Virginia | 0 | 0 | 2 | 0 | 0 |
| Washington | 0 | 0 | 2 | 0 | 0 |
Capacity. 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 | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $517M | $295M to $609M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $564M | $0 to $1.14B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 109.3% | 0.0% to 215.4% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $63.2M | $40.9M to $131M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 77.0% | 16.4% to 95.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 75.0% | 54.2% to 83.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 108 1-4 unit investor loans with a known channel in 2025, 30 (27.8%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- Preferred Lender authority
- 36 loans (100.0%)
- Approval to first disbursement
- 30.5 days, median of 34
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Robins Financial Credit Union | GA | $4.97B | $391M |
| Lge Community Credit Union | GA | $2.41B | $244M |
| Associated Credit Union | GA | $2.55B | $82.5M |
| Goldenwest Credit Union | UT | $4.33B | $1.04B |
| Georgia United Credit Union | GA | $2.53B | $56.9M |
| Arizona Financial Credit Union | AZ | $3.93B | $811M |
| Campus USA Credit Union | FL | $4.04B | $449M |
| Addition Financial Credit Union | FL | $3.81B | $280M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Georgia's Own Credit Union, NCUA charter 67390. Compare it with the regulator's record. [NCUA profile]
- Balances. $4.22B in total assets and $593M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 28 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 146 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 108 HMDA 1-4 unit investor 2025, 36 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to Georgia's Own Credit Union]
- Phone and website. Phone 404-874-1166, from the NCUA record. Website georgiasown.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 67390
- RSSD
- 335092
- LEI
- 54930025XJJO3T0M1A92
- The Lender Report ID
- lr_000454
- Main office county
- Fulton
- Members
- 238,034
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $4.2B in total assets as of June 30, 2026 (NCUA 5300).
- Held $593.4M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $244.6M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $232.9M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 5.4% from a year earlier (NCUA 5300).
- Held $57.7M of construction and land loans as of June 30, 2026, up 9.2% from a year earlier (NCUA 5300).
- Originated 1 multifamily loan totaling $960K in 2025 (HMDA).
6 more sentences
- Originated 108 1-4 unit investor or business-purpose loans totaling $26.3M in 2025 (HMDA).
- Recorded 46 SBA 7(a) approvals totaling $55.7M from October 1, 2023 to September 30, 2026, of which 10 were later cancelled (SBA).
- Provided the first lien on 1 SBA 504 project with $7.8M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 28 real-estate-secured commercial loans totaling $45.9M in the first half of 2026 (NCUA 5300).
- Held $62.2M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 30 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Georgia's Own Credit Union, https://lender.report/lender/georgia-s-own-credit-union-ga/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Georgia's Own Credit Union? Claim this page, free.
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. Report a problem