Chattahoochee Federal Credit Union (NCUA charter #24221) is based in Valley, Alabama. Its Q2 2026 call report shows $23.4M in total assets and $20.2M in member shares and deposits and 1 office.
Chattahoochee Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 19th. Capital cushion contributes the most (100/100, 15.01%); earnings contributes the least (73/100, 1.33%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 4 points (91 → 87), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 89 |
| Q4 2024 | 88 |
| Q1 2025 | 89 |
| Q2 2025 | 91 |
| Q3 2025 | 92 |
| Q4 2025 | 86 |
| Q1 2026 | 88 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.82% |
| Q3 2024 | 13.26% |
| Q4 2024 | 13.45% |
| Q1 2025 | 13.66% |
| Q2 2025 | 14.02% |
| Q3 2025 | 14.03% |
| Q4 2025 | 14.34% |
| Q1 2026 | 14.67% |
| Q2 2026 | 15.01% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.54% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $23.4M | 15.01% | 0.51% | 1.33% | 77.2% |
| Q1 2026 | 88 | $23.5M | 14.67% | 0.61% | 1.55% | 75.0% |
| Q4 2025 | 86 | $23.4M | 14.34% | 0.71% | 1.64% | 73.8% |
| Q3 2025 | 92 | $23.4M | 14.03% | 0.11% | 1.68% | 71.4% |
| Q2 2025 | 91 | $22.7M | 14.02% | 0.22% | 1.68% | 71.2% |
| Q1 2025 | 89 | $22.5M | 13.66% | 0.15% | 1.47% | 68.0% |
| Q4 2024 | 88 | $22.2M | 13.45% | 0.33% | 1.53% | 64.0% |
| Q3 2024 | 89 | $22.0M | 13.26% | 0.19% | 1.54% | 64.1% |
| Q2 2024 | 85 | $21.9M | 12.82% | 0.20% | 1.30% | 62.9% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ang Federal Credit UnionCredit union Birmingham, AL | 74 out of 100, Strong | $24.4M | 10.1% | 0.40% | vs |
| Covington Schools Federal Credit UnionCredit union Andalusia, AL | 54 out of 100, Below average | $22.4M | 31.6% | 6.12% | vs |
| City Credit UnionCredit union Tuscaloosa, AL | 86 out of 100, Very strong | $21.3M | 24.0% | 0.79% | vs |
| Railway Employees Credit UnionCredit union Muscle Shoals, AL | 82 out of 100, Strong | $21.1M | 22.0% | 0.97% | vs |
| East Alabama Community Federal Credit UnionCredit union Opelika, AL | 84 out of 100, Strong | $20.8M | 14.2% | 0.00% | vs |
| Federal Employees Credit UnionCredit union Birmingham, AL | 70 out of 100, Strong | $19.7M | 16.6% | 1.67% | vs |
Deposit insurance
Is my money safe at Chattahoochee Federal Credit Union?
Yes. Chattahoochee Federal Credit Union is a federally insured credit union (NCUA charter #24221). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 15.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Chattahoochee Federal Credit Union lists 1 office in 1 city. Most locations:
- Valley, AL (1)
Identity & history
Profile
- Legal name
- Chattahoochee Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24221
- RSSD ID
- 348494
- Primary regulator
- NCUA
- Established
- 1985
- Headquarters
- P.O. Box 8, Valley, AL 36854
- Employees
- 7
Quick answers
Chattahoochee Federal Credit Union: common questions
Is Chattahoochee Federal Credit Union NCUA insured?
Yes. Chattahoochee Federal Credit Union is a federally insured credit union (NCUA charter #24221). 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 Chattahoochee Federal Credit Union's TellerScore?
87 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.
How many branches does Chattahoochee Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Valley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| East Alabama Community Federal Credit UnionCredit union Opelika, AL | 84 out of 100, Strong | $20.8M | 14.2% | 0.00% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
| The Southern Credit UnionCredit union Fayetteville, GA | 76 out of 100, Strong | $560.2M | 11.6% | 0.10% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Anchor BankBank Palm Beach Gardens, FL | 75 out of 100, Strong | $805.5M | 8.8% | 0.15% | vs |
| AuburnBankBank Auburn, AL | 74 out of 100, Strong | $1.1B | 10.7% | 0.01% | vs |