Stephens County Community Federal Credit Union Toccoa, Georgia
Stephens County Community Federal Credit Union is a federal credit union headquartered in Toccoa, GA, established in 1972 (NCUA charter 20890), and it is regulated and insured by the NCUA. At Q2 2026 it reported 114 members and total assets of $155K (down 0.9% from Q2 2025), the 71st largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 13.97% at Q2 2026, in the well capitalized band.
Also written as Stephens County Community FCU
BankRegReports is independent of Stephens County Community Federal Credit Union and never asks for online banking logins or passwords.
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
- 20890
- Headquarters
- Toccoa, GA
- Established
- 1972
- Total assets, Q2 2026
- $155K
- Assets vs Q2 2025
- -0.9%
- Members, Q2 2026
- 114
- Net worth ratio, Q2 2026
- 13.97%
- Latest call report
- Q2 2026, NCUA 5300 · Stephens County Community Federal Credit Union call report
- Asset rank in state
- 71st of 71 in Georgia
- Routing number
- 261175363
- Branches
- 2
It has 1 fewer member than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.55 percentage points from 13.42% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $12K of $22K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 13.84% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.97% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Stephens County Community Federal Credit Union
How big is Stephens County Community Federal Credit Union?
At Q2 2026 it reported total assets of $155K and 114 members.
Where is Stephens County Community Federal Credit Union headquartered?
It is headquartered in Toccoa, GA, United States.
When was Stephens County Community Federal Credit Union founded?
It was established in 1972, per NCUA records.
Is Stephens County Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20890): 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 Stephens County Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Stephens County Community Federal Credit Union well capitalized?
Its net worth ratio was 13.97% 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 Stephens County Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 13.84% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Stephens County Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 16.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Toccoa, GA 30577
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1972
- NCUA Charter #
- 20890
- RSSD ID
- 196480
- Members
- 114
- Potential members
- 25,000
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 2 of 4 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.97% | 14.31% | 47th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 5.74% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 41.11% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 13.84% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.88% | 4.70% | 86th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 16.62% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$155K total assets against $156K; $133K total shares and deposits against $134K; $22K total loans against $19K.
$22K net worth against $21K.
13.97% net worth ratio against 13.42%.
16.62% loan-to-share ratio against 14.29%.
13.84% delinquency ratio.
5.74% return on assets against 4.79%; 41.11% return on equity against 35.71%.
114 members against 115.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.97% | 5.74% | 13.84% | 16.62% |
| March 31, 2026 | 12.72% | 1.53% | 49.01% | 17.34% |
| December 31, 2025 | 12.35% | -7.49% | — | 18.13% |
| September 30, 2025 | 13.82% | 1.82% | — | 19.12% |
| June 30, 2025 | 13.42% | 4.79% | — | 14.29% |
| March 31, 2025 | 12.37% | 1.53% | — | 15.81% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.