credit union

On The Grid Financial

Atlanta, GA · Est. 1935
A
Trust Grade
Excellent
Score: 90/100

On The Grid Financial is a credit union based in Atlanta, Georgia, established in 1935, with $46 million in total assets serving 3,930 members. By Trust Grade it ranks 45th of 72 credit unions we track in Georgia. Its net worth ratio of 13.6% trails most similarly sized credit unions (45th percentile), versus a Georgia median of 13.3%. It was profitable over the most recent period, with a 0.03% return on assets. No consumer complaints against On The Grid Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$46.3M
<$100M institution
Members
3,930
Shares & deposits
—
Net worth ratio
13.6%
Bottom 45% of <$100M peers · Georgia median 13.3%
Return on assets
0.0%
Bottom 22% of <$100M peers · Georgia median 0.63%
Rank in Georgia
#45
of 72 credit unions

How On The Grid Financial compares to Georgia peers

Net worth ratio
Bottom 45% of <$100M peers
On The
13.6%
Georgia median
13.3%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 22% of <$100M peers
On The
0.0%
Georgia median
0.6%
Higher ROA = more profitable relative to asset base

How we graded On The Grid Financial

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
90/100
Customer experience
n/a
Overall
A · 90
  • Strongly capitalized (13.6% capital ratio)
  • Profitable (ROA 0.03%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for On The Grid Financial over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at On The Grid Financial insured?

Yes. On The Grid Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

On The Grid Financial: frequently asked questions

Is On The Grid Financial a good credit union?

On The Grid Financial earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Strongly capitalized (13.6% capital ratio); Profitable (ROA 0.03%).

Is On The Grid Financial NCUA-insured?

Yes. On The Grid Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is On The Grid Financial?

On The Grid Financial holds $46 million in total assets, ranking 45th of 72 credit unions we track in Georgia. It serves 3,930 members.

Does On The Grid Financial have CFPB complaints?

No CFPB complaints against On The Grid Financial appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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