Credit Union Safety Analysis
Is Regional Members Federal Credit Union Safe? Columbus, Georgia
Based on its Q2 2026 NCUA 5300 call report, Regional Members Federal Credit Union has a net worth ratio of 13.15%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.68%, 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, Regional Members Federal Credit Union's net worth ratio is 13.15%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.15%
- Delinquency ratio (60+ days) (Q2 2026): 1.68%
- Return on assets (Q2 2026): 0.65%
- Loan-to-share ratio (Q2 2026): 60.95%
Regional Members Federal Credit Union (NCUA charter 376, established 1935) reported $9.6M in assets and 1,248 members for Q2 2026 from Columbus, Georgia. It ranks 54 of 71 credit unions in Georgia by total assets. Total assets grew 3.2% from $9.3M on June 30, 2025. It has 38 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was down 0.60 percentage points from 13.75% on June 30, 2025. Used vehicle loans are its largest loan category, $2.4M of $5.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.68% 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: 13.31% for Q1 2026; 13.75% 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: 1.60% for Q1 2026; 1.44% 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: -2.04% for Q1 2026; 0.72% 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: 66.63% for Q1 2026; 75.95% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.4M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $670K
- Other unsecured loans and lines of credit: $220K
- 1- to 4-family residential and other consumer real estate loans: $117K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.6M | 13.15% | 1.68% | 0.65% | 60.95% |
| March 31, 2026 | $9.4M | 13.31% | 1.60% | -2.04% | 66.63% |
| December 31, 2025 | $9.0M | 14.35% | 2.65% | -1.16% | 75.07% |
| September 30, 2025 | $9.1M | 14.58% | 1.03% | 1.81% | 78.35% |
| June 30, 2025 | $9.3M | 13.75% | 1.44% | 0.72% | 75.95% |
| March 31, 2025 | $9.4M | 13.50% | 1.16% | 0.61% | 74.00% |
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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.
Regional Members Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 376) · FFIEC NIC profile (RSSD 110477)
Frequently asked questions
Is Regional Members Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Regional Members Federal Credit Union's net worth ratio is 13.15%, above the 7% NCUA threshold for well capitalized.
Is Regional Members Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Regional Members Federal Credit Union is a federally insured credit union (NCUA charter 376): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Regional Members Federal Credit Union's key safety ratios?
For Q2 2026, Regional Members Federal Credit Union reports net worth 13.15%, delinquency 1.68%, ROA 0.65%, loan-to-share 60.95%.
What happens to my money if Regional Members Federal Credit Union fails?
For Q2 2026, Regional Members Federal Credit Union held $8.3M in shares and deposits for 1,248 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.