Sep, 30, 2025 — GEORGIA GUARD CREDIT UNION is a federally insured state chartered credit union headquartered in MACON, GA with 2 branch locations and about $3.51 million in total assets. Opened 29 years ago in 1997, GEORGIA GUARD CREDIT UNION has about 710 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GEORGIA GUARD CREDIT UNION |
|---|---|
| Address: (Main Office) | 1030 Shurling Dr MACON, GA 31211 |
| Phone: | (478) 741-4428 |
| Fax: | (478) 741-9502 |
| Website: | https://www.ggcu.org |
| Branches: | 2 branch locations |
| Members: | 710 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68291 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1997 |
| Last Audited: | Jul 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $3,513,173 |
| CEO/Manager: | Joel Franzen |
| Chairperson: | Mark H Thompson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 647,870 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 275,190 |
| Other Loans | 2,221,524 |
| TOTAL LOANS | 2,496,714 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -104,213 |
| Land And Building | 0 |
| Other Fixed Assets | 169 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 32,288 |
| All Other Assets | 16,775 |
| TOTAL ASSETS | 3,513,173 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 4,257 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 526,050 |
| Regular shares | 2,274,082 |
| All Other Shares & Deposits | 368,641 |
| TOTAL SHARES & DEPOSITS | 3,168,773 |
| TOTAL LIABILITIES | 3,173,030 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 340,143 |
| TOTAL EQUITY | 340,143 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 3,513,173 |
| INCOME & EXPENSE | |
| Loan Income | 166,393 |
| Investment Income | 15,982 |
| Other Income | 46,562 |
| Total Employee Compensation & Benefits | 123,493 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 91,712 |
| Non-operating Income & (Expense) | 96,252 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 47,661 |
| Cost of Funds | 13,143 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 51,772 |
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