Unverified listing What this means
The Lender Report built this page from public records. North Georgia Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about North Georgia Credit Union itself. Each figure shows its source and date. Work at North Georgia Credit Union? You can claim this page for free.
Credit union, Toccoa, GA
North Georgia Credit Union
A credit union based in Toccoa, GA. Its commercial book is mostly non-owner-occupied CRE. No public file shows individual loans it has made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $637K
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $122M
- 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
- 706-886-1441 From the NCUA record, June 30, 2026.
- Website
- www.ngcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- ngcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- NORTH GEORGIANCUA 5300,
- Address
- P.O. Box 280, Toccoa, GA 30577NCUA 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.
Recently done
Balances only
Balances only. No public file shows individual loans this lender made, and its book has not moved in a way worth a line.
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported | 0 | Not reported |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Non-owner-occupied CRE | $637K | 0.7% | Not reported | 1 | $637K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $0 | 0.0% | Not reported | 0 | Not reported |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $637K |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $0 |
| Q4 2023 | $812K |
| Q1 2024 | $796K |
| Q2 2024 | $779K |
| Q3 2024 | $762K |
| Q4 2024 | $745K |
| Q1 2025 | $727K |
| Q2 2025 | $710K |
| Q3 2025 | $691K |
| Q4 2025 | $674K |
| Q1 2026 | $656K |
| Q2 2026 | $637K |
| Book | Average loan |
|---|---|
| Non-owner-occupied CRE | $637K |
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Georgia HQ | 5 |
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 | $14.9M | $5.40M to $31.7M 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 | $637K | $0 to $42.4M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 4.3% | 0.0% to 199.0% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $2.04M | $718K to $4.27M 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 | 4.7% | 2.1% to 125.3% 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 | 73.3% | 45.7% to 81.2% 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.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Family First Credit Union | GA | $136M | $5.27M |
| Go Energy Financial Credit Union | GA | $153M | $15.1M |
| Mygeorgia Credit Union | GA | $258M | $6.36M |
| B.O.N.D. Community Credit Union | GA | $44.1M | $419K |
| Excel Credit Union | GA | $174M | $42.4M |
| Thinkwise Credit Union | CA | $123M | $751K |
| Two Harbors Credit Union | MN | $118M | $360K |
| Truenergy Credit Union | VA | $126M | $1.77M |
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 made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- 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. North Georgia Credit Union, NCUA charter 67395. Compare it with the regulator's record. [NCUA profile]
- Balances. $122M in total assets and $637K in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made. If that is wrong, report it with evidence.
- Phone and website. Phone 706-886-1441, from the NCUA record. Website ngcu.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
- 67395
- RSSD
- 347778
- The Lender Report ID
- lr_005243
- Main office county
- Stephens
- Members
- 11,805
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $121.7M in total assets as of June 30, 2026 (NCUA 5300).
- Held $637K of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $637K of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Listed 5 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, North Georgia Credit Union, https://lender.report/lender/north-georgia-credit-union-ga/, data as of June 30, 2026.
Sources
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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