Institution Profile
Address: 705 West Cherry Street Jesup, GA 31545
(912) 427-3904
Website:
NCUA Profile:
Charter Date:
1/1/1968
Charter Type:
State
Branches:
6
Branches by Region
GA 7
Financial Overview
Total Assets
$401.08M
Total Deposits
$336.68M
Total Loans
$325.29M
Members
35,654
Employees
90 89 Full-time / 1 Part-time
Allowance for Loan Losses
$2.50M
Performance Ratios
Net Worth Ratio
14.81%
Loan-to-Deposit Ratio
96.62%
Coverage Ratio
0.77% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +86.80% Total Deposits: +87.89% Total Loans: +108.43% since 2020 Q3
Member Growth
Member Growth
Members: +40.22% since 2020 Q3
Employee Growth
Employee Growth
Employees: +38.46% since 2020 Q3
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
6,934
Amount This Year (YTD)
$169.41M
Number of Loans per Quarter
Loans Granted: -60.07% since 2020 Q3
Loan Amount per Quarter
Amount Granted: -53.21% since 2020 Q3
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$149.70M 46.0%
New Vehicle
$67.70M 20.8%
1st Mortgages
$58.75M 18.1%
Other Secured
$22.26M 6.8%
Other Unsecured
$20.46M 6.3%
Credit Card
$3.39M 1.0%
HELOCs
$1.69M 0.5%
Commercial & Industrial
$1.33M 0.4%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 35,654 | $401.08M | $336.68M | $325.29M | 90 |
| 2025 Q3 | 35,532 | $392.54M | $330.22M | $328.25M | 88 |
| 2025 Q2 | 35,146 | $385.36M | $323.77M | $322.05M | 85 |
| 2025 Q1 | 34,972 | $378.08M | $319.84M | $313.31M | 85 |
| 2024 Q4 | 34,037 | $374.49M | $319.25M | $292.89M | 84 |
| 2024 Q3 | 33,382 | $357.70M | $305.53M | $285.15M | 82 |
| 2024 Q2 | 32,373 | $358.60M | $304.54M | $280.79M | 82 |
| 2024 Q1 | 31,927 | $355.12M | $303.10M | $275.86M | 82 |
| 2023 Q4 | 31,523 | $337.79M | $287.72M | $277.77M | 80 |
| 2023 Q3 | 31,301 | $334.99M | $286.41M | $277.88M | 81 |
| 2023 Q2 | 30,817 | $328.40M | $281.26M | $271.69M | 81 |
| 2023 Q1 | 30,360 | $325.92M | $280.75M | $263.82M | 83 |
| 2022 Q4 | 29,940 | $308.64M | $262.56M | $253.72M | 81 |
| 2022 Q3 | 29,721 | $299.22M | $256.43M | $241.22M | 81 |
| 2022 Q2 | 29,303 | $287.83M | $241.34M | $227.11M | 77 |
| 2022 Q1 | 28,541 | $279.75M | $238.54M | $205.18M | 76 |
| 2021 Q4 | 28,057 | $260.11M | $219.67M | $195.35M | 71 |
| 2021 Q3 | 27,583 | $255.16M | $215.18M | $190.70M | 72 |
| 2021 Q2 | 27,001 | $250.84M | $212.08M | $182.44M | 67 |
| 2021 Q1 | 26,273 | $245.70M | $207.89M | $169.88M | 67 |
| 2020 Q4 | 25,717 | $220.73M | $184.40M | $162.52M | 66 |
| 2020 Q3 | 25,428 | $214.71M | $179.19M | $156.07M | 65 |
Interest Rates
Current average rates by loan type
New Vehicle
5.95%
Used Vehicle
7.01%
1st Mortgage (Fixed)
6.53%
HELOC
7.72%
Credit Card
13.90%
Other Unsecured
13.42%