Workmens Circle Credit Union Savannah, Georgia
Workmens Circle Credit Union is a state-chartered credit union headquartered in Savannah, GA, established in 1950 (NCUA charter 67892), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,678 members and total assets of $135.0M (up 5.2% from Q2 2025), the 27th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 20.83% at Q2 2026, in the well capitalized band.
Also written as Workmens Circle CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67892
- Headquarters
- Savannah, GA
- Established
- 1950
- Total assets, Q2 2026
- $135.0M
- Assets vs Q2 2025
- +5.2%
- Members, Q2 2026
- 1,678
- Net worth ratio, Q2 2026
- 20.83%
- Latest call report
- Q2 2026, NCUA 5300 · Workmens Circle Credit Union call report
- Asset rank in state
- 27th of 71 in Georgia
- Routing number
- 261273485
- Branches
- 4
It has 3 fewer members than on June 30, 2025 (-0.2%). Its net worth ratio was up 1.17 percentage points from 19.66% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $78.7M of $108.5M in total loans on its June 30, 2026 filing.
Frequently asked about Workmens Circle Credit Union
How big is Workmens Circle Credit Union?
At Q2 2026 it reported total assets of $135.0M and 1,678 members.
Where is Workmens Circle Credit Union headquartered?
It is headquartered in Savannah, GA, United States.
When was Workmens Circle Credit Union founded?
It was established in 1950, per NCUA records.
Is Workmens Circle Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67892): 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 Workmens Circle Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Workmens Circle Credit Union well capitalized?
Its net worth ratio was 20.83% 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 Workmens Circle Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 101.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Savannah, GA 31405
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 67892
- RSSD ID
- 1995
- Members
- 1,678
- Potential members
- 314,105
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 20.83% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.34% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.21% | 7.02% | 82nd top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.11% | 3.70% | 18th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 27.43% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.72% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | not on file | 0.68% | not on file |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.83% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 101.83% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$135.0M total assets against $128.3M; $106.6M total shares and deposits against $103.0M; $108.5M total loans against $108.1M.
$28.1M net worth against $25.2M.
20.83% net worth ratio against 19.66%.
101.83% loan-to-share ratio against 105.03%.
2.34% return on assets against 1.99%; 11.21% return on equity against 10.11%.
3.11% net interest margin against 2.75%.
1,678 members against 1,681.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.83% | 2.34% | — | 101.83% |
| March 31, 2026 | 20.10% | 2.15% | — | 98.68% |
| December 31, 2025 | 19.57% | 1.93% | — | 98.31% |
| September 30, 2025 | 19.60% | 2.16% | — | 101.16% |
| June 30, 2025 | 19.66% | 1.99% | — | 105.03% |
| March 31, 2025 | 19.83% | 1.60% | — | 102.46% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.