TellerScore

Headquartered in Columbus, Georgia, Aflac Federal Credit Union is a federal credit union with $133.8M in total assets and $81.7M in member shares and deposits as of Q2 2026. Its charter dates back to 1964.

Based on its Q2 2026 filing, Aflac Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 13th. Its strongest component is capital cushion (100/100; 38.85%), and its lowest is loan quality (45/100; 1.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 38.85%
Loan quality45/100
Loans 60+ days delinquent ÷ total loans: 1.66%
Earnings100/100
Return on assets (annualized): 2.65%
Funding & liquidity100/100
Loans ÷ shares: 15.9% · 7.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.42%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 86).

TellerScore
758187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202483
Q4 202475
Q1 202581
Q2 202586
Q3 202582
Q4 202587
Q1 202687
Q2 202686
Net worth ratio
7.00%22.92%38.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202431.00%
Q3 202432.17%
Q4 202433.88%
Q1 202533.57%
Q2 202534.56%
Q3 202535.92%
Q4 202536.83%
Q1 202637.15%
Q2 202638.85%
Delinquent loans (60+ days)
1.50%2.61%3.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.53%
Q3 20242.07%
Q4 20243.72%
Q1 20252.29%
Q2 20251.72%
Q3 20252.10%
Q4 20251.50%
Q1 20261.53%
Q2 20261.66%
Return on assets
2.34%2.66%2.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.34%
Q3 20242.60%
Q4 20242.73%
Q1 20252.44%
Q2 20252.81%
Q3 20252.97%
Q4 20252.89%
Q1 20262.64%
Q2 20262.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$133.8M38.85%1.66%2.65%15.9%
Q1 202687$137.4M37.15%1.53%2.64%15.1%
Q4 202587$135.7M36.83%1.50%2.89%16.1%
Q3 202582$136.7M35.92%2.10%2.97%15.5%
Q2 202586$138.9M34.56%1.72%2.81%15.2%
Q1 202581$139.7M33.57%2.29%2.44%14.7%
Q4 202475$135.6M33.88%3.72%2.73%15.4%
Q3 202483$139.8M32.17%2.07%2.60%14.3%
Q2 202487$141.7M31.00%1.53%2.34%14.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio38.85%
100th
Problem loans1.66%
10th
Net charge-offs0.05%
93rd
Return on assets2.65%
100th
Loans to deposits15.9%
100th
Uninsured deposits7.3%
36th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Family First Credit UnionCredit union Hapeville, GA64 out of 100, Moderate$136.3M13.5%1.94%vs
North Georgia Credit UnionCredit union Toccoa, GA70 out of 100, Strong$121.7M11.2%0.39%vs
Cgr Credit UnionCredit union Macon, GA95 out of 100, Very strong$120.0M22.2%0.52%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs

Deposit insurance

Is my money safe at Aflac Federal Credit Union?

Yes. Aflac Federal Credit Union is a federally insured credit union (NCUA charter #16096). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.3% of shares and deposits ($6.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 38.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Aflac Federal Credit Union
Type
Federal credit union
NCUA charter #
16096
RSSD ID
96786
Primary regulator
NCUA
Established
1964
Headquarters
1932 Wynnton Rd, Columbus, GA 31999
Employees
8

Quick answers

Aflac Federal Credit Union: common questions

Is Aflac Federal Credit Union NCUA insured?

Yes. Aflac Federal Credit Union is a federally insured credit union (NCUA charter #16096). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Aflac Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.