Valdosta Teachers Federal Credit Union Valdosta, Georgia
Valdosta Teachers Federal Credit Union is a federal credit union headquartered in Valdosta, GA, established in 1958 (NCUA charter 12290), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,924 members and total assets of $13.2M (up 3.5% from Q2 2025), the 51st largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 13.41% at Q2 2026, in the well capitalized band.
Also written as Valdosta Teachers FCU
BankRegReports is independent of Valdosta Teachers 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
- 12290
- Headquarters
- Valdosta, GA
- Established
- 1958
- Total assets, Q2 2026
- $13.2M
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 2,924
- Net worth ratio, Q2 2026
- 13.41%
- Latest call report
- Q2 2026, NCUA 5300 · Valdosta Teachers Federal Credit Union call report
- Asset rank in state
- 51st of 71 in Georgia
- Routing number
- 261273401
- Branches
- 2
It has 578 more members than on June 30, 2025 (+24.6%). Its net worth ratio was up 0.32 percentage points from 13.09% on June 30, 2025. Used vehicle loans are its largest loan category, $2.5M of $5.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.29% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.41% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Valdosta Teachers Federal Credit Union
How big is Valdosta Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $13.2M and 2,924 members.
Where is Valdosta Teachers Federal Credit Union headquartered?
It is headquartered in Valdosta, GA, United States.
When was Valdosta Teachers Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Valdosta Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12290): 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 Valdosta Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Valdosta Teachers Federal Credit Union well capitalized?
Its net worth ratio was 13.41% 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 Valdosta Teachers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.29% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Valdosta Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.43% 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
- 1958
- NCUA Charter #
- 12290
- RSSD ID
- 312280
- Members
- 2,924
- Potential members
- 19,017
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 3 of 7 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% | 13.41% | 14.31% | 43rd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.30% | 0.72% | 75th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.69% | 4.74% | 79th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.92% | 3.93% | 84th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 74.75% | 79.83% | 61st above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.35% | 0.78% | 76th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.29% | 0.86% | 22nd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.27% | 4.70% | 73rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.43% | 58.92% | 37th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.2M total assets against $12.8M; $11.3M total shares and deposits against $10.9M; $5.7M total loans against $6.0M.
$1.8M net worth against $1.7M.
13.41% net worth ratio against 13.09%.
50.43% loan-to-share ratio against 54.89%.
2.29% delinquency ratio against 1.36%.
1.30% return on assets against 2.10%; 9.69% return on equity against 16.05%.
4.92% net interest margin against 4.90%.
2,924 members against 2,346.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.41% | 1.30% | 2.29% | 50.43% |
| March 31, 2026 | 13.26% | -0.70% | 1.38% | 51.08% |
| December 31, 2025 | 13.91% | 2.00% | 1.60% | 56.76% |
| September 30, 2025 | 13.21% | 0.55% | 1.60% | 55.67% |
| June 30, 2025 | 13.09% | 2.10% | 1.36% | 54.89% |
| March 31, 2025 | 12.67% | 0.48% | 0.07% | 53.92% |
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.