Credit Union Safety Analysis
Is Aflac Federal Credit Union Safe? Columbus, Georgia
Based on its Q2 2026 NCUA 5300 call report, Aflac Federal Credit Union has a net worth ratio of 38.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.66%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Aflac Federal Credit Union's net worth ratio is 38.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 38.85%
- Delinquency ratio (60+ days) (Q2 2026): 1.66%
- Return on assets (Q2 2026): 2.59%
- Loan-to-share ratio (Q2 2026): 15.89%
Aflac Federal Credit Union (NCUA charter 16096, established 1964) reported $133.8M in assets and 9,222 members for Q2 2026 from Columbus, Georgia. It ranks 28 of 71 credit unions in Georgia by total assets. Total assets fell 3.6% from $138.9M on June 30, 2025. It has 1,069 fewer members than on June 30, 2025 (-10.4%). Its net worth ratio was up 4.29 percentage points from 34.56% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $8.6M of $13.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.66% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 37.15% for Q1 2026; 34.56% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.53% for Q1 2026; 1.72% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.64% for Q1 2026; 3.17% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 15.09% for Q1 2026; 15.18% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $8.6M
- Other unsecured loans and lines of credit: $2.0M
- New vehicle loans: $1.3M
- Used vehicle loans: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $133.8M | 38.85% | 1.66% | 2.59% | 15.89% |
| March 31, 2026 | $137.4M | 37.15% | 1.53% | 2.64% | 15.09% |
| December 31, 2025 | $135.7M | 36.83% | 1.50% | 2.59% | 16.11% |
| September 30, 2025 | $136.7M | 35.92% | 2.10% | 3.21% | 15.47% |
| June 30, 2025 | $138.9M | 34.56% | 1.72% | 3.17% | 15.18% |
| March 31, 2025 | $139.7M | 33.57% | 2.29% | 2.44% | 14.70% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Aflac Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16096) · FFIEC NIC profile (RSSD 96786)
Frequently asked questions
Is Aflac Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Aflac Federal Credit Union's net worth ratio is 38.85%, above the 7% NCUA threshold for well capitalized.
Is Aflac Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Aflac Federal Credit Union is a federally insured credit union (NCUA charter 16096): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Aflac Federal Credit Union's key safety ratios?
For Q2 2026, Aflac Federal Credit Union reports net worth 38.85%, delinquency 1.66%, ROA 2.59%, loan-to-share 15.89%.
What happens to my money if Aflac Federal Credit Union fails?
For Q2 2026, Aflac Federal Credit Union held $81.7M in shares and deposits for 9,222 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.