Credit Union Safety Analysis
Is Stephens County Community Federal Credit Union Safe? Toccoa, Georgia
Based on its Q2 2026 NCUA 5300 call report, Stephens County Community Federal Credit Union has a net worth ratio of 13.97%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 13.84%, 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, Stephens County Community Federal Credit Union's net worth ratio is 13.97%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.97%
- Delinquency ratio (60+ days) (Q2 2026): 13.84%
- Return on assets (Q2 2026): 5.74%
- Loan-to-share ratio (Q2 2026): 16.62%
Stephens County Community Federal Credit Union (NCUA charter 20890, established 1972) reported $155K in assets and 114 members for Q2 2026 from Toccoa, Georgia. It ranks 71 of 71 credit unions in Georgia by total assets. Total assets fell 0.9% from $156K on June 30, 2025. 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.
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: 12.72% for Q1 2026; 13.42% 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: 49.01% for Q1 2026 .
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: 1.53% for Q1 2026; 4.79% 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: 17.34% for Q1 2026; 14.29% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $12K
- Other unsecured loans and lines of credit: $11K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $155K | 13.97% | 13.84% | 5.74% | 16.62% |
| March 31, 2026 | $152K | 12.72% | 49.01% | 1.53% | 17.34% |
| December 31, 2025 | $152K | 12.35% | — | -7.49% | 18.13% |
| September 30, 2025 | $157K | 13.82% | — | 1.82% | 19.12% |
| June 30, 2025 | $156K | 13.42% | — | 4.79% | 14.29% |
| March 31, 2025 | $154K | 12.37% | — | 1.53% | 15.81% |
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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.
Stephens County Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20890) · FFIEC NIC profile (RSSD 196480)
Frequently asked questions
Is Stephens County Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Stephens County Community Federal Credit Union's net worth ratio is 13.97%, above the 7% NCUA threshold for well capitalized.
Is Stephens County Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Stephens County Community Federal Credit Union is a federally insured credit union (NCUA charter 20890): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Stephens County Community Federal Credit Union's key safety ratios?
For Q2 2026, Stephens County Community Federal Credit Union reports net worth 13.97%, delinquency 13.84%, ROA 5.74%, loan-to-share 16.62%.
What happens to my money if Stephens County Community Federal Credit Union fails?
For Q2 2026, Stephens County Community Federal Credit Union held $133K in shares and deposits for 114 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.