Walker County Educators Federal Credit Union La Fayette, Georgia
Walker County Educators Federal Credit Union is a federal credit union headquartered in La Fayette, GA, established in 1971 (NCUA charter 20610), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,386 members and total assets of $15.1M (up 5.4% from Q2 2025), the 50th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 24.79% at Q2 2026, in the well capitalized band.
Also written as Walker County Educators FCU
BankRegReports is independent of Walker County Educators 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
- 20610
- Headquarters
- La Fayette, GA
- Established
- 1971
- Total assets, Q2 2026
- $15.1M
- Assets vs Q2 2025
- +5.4%
- Members, Q2 2026
- 1,386
- Net worth ratio, Q2 2026
- 24.79%
- Latest call report
- Q2 2026, NCUA 5300 · Walker County Educators Federal Credit Union call report
- Asset rank in state
- 50th of 71 in Georgia
- Routing number
- 261175541
- Branches
- 1
It has 23 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was down 0.58 percentage points from 25.37% on June 30, 2025. Used vehicle loans are its largest loan category, $4.6M of $8.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 24.79% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Walker County Educators Federal Credit Union
How big is Walker County Educators Federal Credit Union?
At Q2 2026 it reported total assets of $15.1M and 1,386 members.
Where is Walker County Educators Federal Credit Union headquartered?
It is headquartered in La Fayette, GA, United States.
When was Walker County Educators Federal Credit Union founded?
It was established in 1971, per NCUA records.
Is Walker County Educators Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20610): 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 Walker County Educators Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Walker County Educators Federal Credit Union well capitalized?
Its net worth ratio was 24.79% 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 Walker County Educators Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Walker County Educators Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- La Fayette, GA 30728
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1971
- NCUA Charter #
- 20610
- RSSD ID
- 914488
- Members
- 1,386
- Potential members
- 2,918
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 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 24.79% | 14.31% | 88th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.49% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.98% | 4.74% | 31st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.82% | 3.93% | 45th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.78% | 79.83% | 33rd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.17% | 0.78% | 29th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.03% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.98% | 4.70% | 61st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 73.42% | 58.92% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$15.1M total assets against $14.4M; $11.4M total shares and deposits against $10.7M; $8.4M total loans against $8.2M.
$3.8M net worth against $3.6M.
24.79% net worth ratio against 25.37%.
73.42% loan-to-share ratio against 77.21%.
0.03% delinquency ratio against 0.00%.
0.49% return on assets against 1.21%; 1.98% return on equity against 4.78%.
3.82% net interest margin against 4.22%.
1,386 members against 1,409.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 24.79% | 0.49% | 0.03% | 73.42% |
| March 31, 2026 | 25.00% | 0.84% | 0.06% | 70.82% |
| December 31, 2025 | 26.07% | 0.40% | 0.20% | 77.89% |
| September 30, 2025 | 25.87% | 1.33% | 0.08% | 78.67% |
| June 30, 2025 | 25.37% | 1.21% | 0.00% | 77.21% |
| March 31, 2025 | 25.59% | 1.53% | 0.06% | 77.26% |
Scroll sideways to see every column.
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.