TellerScore

Coffee County Teachers Federal Credit Union is a federal credit union headquartered in Douglas, Georgia, in business for about 62 years. At the end of Q2 2026 it reported $3.1M in total assets and $2.5M in member shares and deposits.

Based on its Q2 2026 filing, Coffee County Teachers Federal Credit Union scores 50/100, which we describe as below average. That is higher than only 9% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 68th. Its strongest component is capital cushion (100/100; 19.84%), and its lowest is earnings (0/100; -2.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.84%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.44%
Earnings0/100
Return on assets (annualized): -2.63%
Funding & liquidity81/100
Loans ÷ shares: 79.0% · 0.0% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.08%

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 40 points (90 → 50), mostly because the loan quality component weakened by 97 points.

TellerScore
507090Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202487
Q4 202478
Q1 202588
Q2 202590
Q3 202586
Q4 202569
Q1 202651
Q2 202650
Net worth ratio
7.00%14.24%21.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202418.55%
Q3 202418.96%
Q4 202419.04%
Q1 202518.27%
Q2 202519.63%
Q3 202520.50%
Q4 202521.44%
Q1 202621.48%
Q2 202619.84%
Delinquent loans (60+ days)
0.02%1.73%3.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.93%
Q3 20240.02%
Q4 20240.95%
Q1 20250.23%
Q2 20250.10%
Q3 20251.17%
Q4 20252.81%
Q1 20263.01%
Q2 20263.44%
Return on assets
-2.63%-0.34%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.64%
Q3 20241.22%
Q4 20241.06%
Q1 20251.24%
Q2 20251.37%
Q3 20251.96%
Q4 20251.72%
Q1 2026-0.71%
Q2 2026-2.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$3.1M19.84%3.44%-2.63%79.0%
Q1 202651$3.0M21.48%3.01%-0.71%76.6%
Q4 202569$3.1M21.44%2.81%1.72%80.3%
Q3 202586$3.2M20.50%1.17%1.96%79.4%
Q2 202590$3.2M19.63%0.10%1.37%82.5%
Q1 202588$3.4M18.27%0.23%1.24%80.8%
Q4 202478$3.2M19.04%0.95%1.06%96.2%
Q3 202487$3.2M18.96%0.02%1.22%102.1%
Q2 202483$3.2M18.55%0.93%1.64%96.9%

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).

Capital ratio19.84%
76th
Problem loans3.44%
11th
Net charge-offs0.92%
15th
Return on assets-2.63%
3rd
Loans to deposits79.0%
21st
Uninsured deposits0.0%
81st
Loan-loss reserves2.76%
93rd
Texas ratio10.1%
13th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
United Neighborhood Federal Credit UnionCredit union Augusta, GA51 out of 100, Below average$3.0M8.5%0.98%vs
Flint Federal Credit UnionCredit union Reynolds, GA99 out of 100, Very strong$2.9M30.0%0.00%vs
Macon-Bibb Employees Credit UnionCredit union Macon, GA63 out of 100, Moderate$2.7M10.8%0.45%vs
Locoga Federal Credit UnionCredit union Valdosta, GA48 out of 100, Below average$4.5M7.1%1.35%vs
Flint River Employees Federal Credit UnionCredit union Oglethorpe, GA82 out of 100, Strong$1.7M38.1%0.22%vs
Beka Federal Credit UnionCredit union Lindale, GA63 out of 100, Moderate$4.6M13.0%0.86%vs

Deposit insurance

Is my money safe at Coffee County Teachers Federal Credit Union?

Yes. Coffee County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #16014). 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 19.84%, 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
Coffee County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
16014
RSSD ID
83982
Primary regulator
NCUA
Established
1964
Headquarters
1006 Madison Ave N, Douglas, GA 31533
Employees
3

Quick answers

Coffee County Teachers Federal Credit Union: common questions

Is Coffee County Teachers Federal Credit Union NCUA insured?

Yes. Coffee County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #16014). 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 Coffee County Teachers Federal Credit Union's TellerScore?

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