Credit unions · Georgia · Q2 2026
CDC FCU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $414M |
| Total loans & leases | $171M |
| Total shares & deposits | $364M |
| Members | 23,840 |
| Net worth | $39.8M |
| Net worth / assets | 9.61% |
| Loans / assets | 41.25% |
| Return on assets (annualized) | −0.58% |
| Loan growth (YoY) | 1.73% |
| Member growth (YoY) | 4.75% |
| Delinquency, all loans (60+ days) | 0.71% |
| Charter | Federal charter |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Government |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
CDC FCU's own website describes two AI-powered virtual assistants: Christina, a phone assistant that authenticates members and handles account transactions such as loan payments and transfers, and Grace, which makes outbound calls to members. Both work against the credit union's own member data, which is level 2; there is no public evidence of AI making lending or other business decisions.
- CDC FCU website “Christina , our AI powered Virtual Assistant , is ready to save you time when you call us!”
- CDC FCU website “Christina can assist with a variety of transactions, such as making a loan payment or transferring funds.”