Credit Union Safety Analysis
Is Locoga Federal Credit Union Safe? Valdosta, Georgia
Based on its Q2 2026 NCUA 5300 call report, Locoga Federal Credit Union has a net worth ratio of 7.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.35%, 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, Locoga Federal Credit Union's net worth ratio is 7.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.08%
- Delinquency ratio (60+ days) (Q2 2026): 1.35%
- Return on assets (Q2 2026): 0.25%
- Loan-to-share ratio (Q2 2026): 64.20%
Locoga Federal Credit Union (NCUA charter 13516, established 1960) reported $4.5M in assets and 658 members for Q2 2026 from Valdosta, Georgia. It ranks 62 of 71 credit unions in Georgia by total assets. Total assets fell 3.0% from $4.6M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.13% for Q1 2026; 9.45% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.34% for Q1 2026; 0.02% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.23% for Q1 2026; 1.03% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 65.80% for Q1 2026; 65.52% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.5M
- Other unsecured loans and lines of credit: $594K
- New vehicle loans: $566K
- Other secured non-real estate loans and lines of credit: $41K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.5M | 7.08% | 1.35% | 0.25% | 64.20% |
| March 31, 2026 | $4.4M | 7.13% | 1.34% | 0.23% | 65.80% |
| December 31, 2025 | $4.4M | 7.12% | 0.10% | -11.21% | 66.50% |
| September 30, 2025 | $4.6M | 9.52% | — | -0.19% | 65.23% |
| June 30, 2025 | $4.6M | 9.45% | 0.02% | 1.03% | 65.52% |
| March 31, 2025 | $4.7M | 8.95% | 0.00% | 0.31% | 63.90% |
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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.
Locoga Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13516) · FFIEC NIC profile (RSSD 790589)
Frequently asked questions
Is Locoga Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Locoga Federal Credit Union's net worth ratio is 7.08%, above the 7% NCUA threshold for well capitalized.
Is Locoga Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Locoga Federal Credit Union is a federally insured credit union (NCUA charter 13516): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Locoga Federal Credit Union's key safety ratios?
For Q2 2026, Locoga Federal Credit Union reports net worth 7.08%, delinquency 1.35%, ROA 0.25%, loan-to-share 64.20%.
What happens to my money if Locoga Federal Credit Union fails?
For Q2 2026, Locoga Federal Credit Union held $4.2M in shares and deposits for 658 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.