Sep, 30, 2025 — GEORGIA UNITED CREDIT UNION is a federally insured state chartered credit union headquartered in DULUTH, GA with 15 branch locations and about $2.38 billion in total assets. Opened 68 years ago in 1958, GEORGIA UNITED CREDIT UNION has about 155,782 members and employs 340 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 UNITED CREDIT UNION |
|---|---|
| Address: (Main Office) | 6705 Sugarloaf Pkwy DULUTH, GA 30097-4356 |
| Phone: | (770) 476-6400 |
| Fax: | (770) 476-6433 |
| Website: | https://www.gucu.org |
| Branches: | 15 branch locations |
| Members: | 155,782 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68607 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,377,235,443 |
| CEO/Manager: | Debbie W Smith |
| Chairperson: | Tom S Dickson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 187,104,179 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,010,973,498 |
| Unsecured Loans | 166,132,029 |
| Other Loans | 558,559,634 |
| TOTAL LOANS | 1,735,665,161 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -17,785,460 |
| Land And Building | 48,097,587 |
| Other Fixed Assets | 5,344,721 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 17,944,118 |
| All Other Assets | 2,796,898 |
| TOTAL ASSETS | 2,377,235,443 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,428,634 |
| Notes & Interest Payable | 100,000,000 |
| Accounts Payable & Other Liabilities | 41,755,333 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 8,948,125 |
| Share Drafts | 341,542,451 |
| Regular shares | 1,066,322,909 |
| All Other Shares & Deposits | 590,756,234 |
| TOTAL SHARES & DEPOSITS | 1,998,621,594 |
| TOTAL LIABILITIES | 2,151,753,686 |
| Regular Reserve | 0 |
| Other Reserves | 7,865,710 |
| Undivided Earnings | 217,616,047 |
| TOTAL EQUITY | 225,481,757 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,377,235,443 |
| INCOME & EXPENSE | |
| Loan Income | 80,970,778 |
| Investment Income | 12,932,086 |
| Other Income | 13,052,064 |
| Total Employee Compensation & Benefits | 33,743,186 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 27,302,885 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 11,500,000 |
| Cost of Funds | 32,455,835 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 12,778,346 |
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