Locoga Federal Credit Union Valdosta, Georgia
Locoga Federal Credit Union is a federal credit union headquartered in Valdosta, GA, established in 1960 (NCUA charter 13516), and it is regulated and insured by the NCUA. At Q2 2026 it reported 658 members and total assets of $4.5M (down 3.0% from Q2 2025), the 62nd largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 7.08% at Q2 2026, in the well capitalized band.
Also written as Locoga FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13516
- Headquarters
- Valdosta, GA
- Established
- 1960
- Total assets, Q2 2026
- $4.5M
- Assets vs Q2 2025
- -3.0%
- Members, Q2 2026
- 658
- Net worth ratio, Q2 2026
- 7.08%
- Latest call report
- Q2 2026, NCUA 5300 · Locoga Federal Credit Union call report
- Asset rank in state
- 62nd of 71 in Georgia
- Routing number
- 261272897
- Branches
- 3
It has 25 fewer members than on June 30, 2025 (-3.7%). Its net worth ratio was down 2.37 percentage points from 9.45% on June 30, 2025. Used vehicle loans are its largest loan category, $1.5M of $2.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.35% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 7.08% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Locoga Federal Credit Union
How big is Locoga Federal Credit Union?
At Q2 2026 it reported total assets of $4.5M and 658 members.
Where is Locoga Federal Credit Union headquartered?
It is headquartered in Valdosta, GA, United States.
When was Locoga Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Locoga Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13516): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Locoga Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Locoga Federal Credit Union well capitalized?
Its net worth ratio was 7.08% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Locoga Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.35% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Locoga Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Valdosta, GA 31601
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13516
- RSSD ID
- 790589
- Members
- 658
- Potential members
- 1,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 7.08% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.25% | 0.72% | 29th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.48% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.10% | 3.93% | 57th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 91.93% | 79.83% | 25th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.33% | 0.78% | 78th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.35% | 0.86% | 38th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.43% | 4.70% | 36th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 64.20% | 58.92% | 58th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.5M total assets against $4.6M; $4.2M total shares and deposits against $4.2M; $2.7M total loans against $2.7M.
$317K net worth against $436K.
7.08% net worth ratio against 9.45%.
64.20% loan-to-share ratio against 65.52%.
1.35% delinquency ratio against 0.02%.
0.25% return on assets against 1.03%; 3.48% return on equity against 10.95%.
4.10% net interest margin against 4.25%.
658 members against 683.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.08% | 0.25% | 1.35% | 64.20% |
| March 31, 2026 | 7.13% | 0.23% | 1.34% | 65.80% |
| December 31, 2025 | 7.12% | -11.21% | 0.10% | 66.50% |
| September 30, 2025 | 9.52% | -0.19% | — | 65.23% |
| June 30, 2025 | 9.45% | 1.03% | 0.02% | 65.52% |
| March 31, 2025 | 8.95% | 0.31% | 0.00% | 63.90% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.