TellerScore

Headquartered in Rome, Georgia, Coosa Valley Credit Union is a federally insured state-chartered credit union with $765.9M in total assets and $678.1M in member shares and deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1954.

Coosa Valley Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 46th. Problem-loan coverage contributes the most (87/100, 6.7%); capital cushion contributes the least (45/100, 9.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.53%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity71/100
Loans ÷ shares: 89.4% · 5.7% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.74%

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 rose 5 points (60 → 65), mostly because the earnings component improved by 15 points.

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202461
Q1 202563
Q2 202560
Q3 202562
Q4 202562
Q1 202666
Q2 202665
Net worth ratio
7.00%8.43%9.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.85%
Q3 20249.84%
Q4 20249.76%
Q1 20259.28%
Q2 20259.15%
Q3 20259.59%
Q4 20259.53%
Q1 20269.52%
Q2 20269.53%
Delinquent loans (60+ days)
0.61%0.77%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.93%
Q4 20240.91%
Q1 20250.64%
Q2 20250.82%
Q3 20250.82%
Q4 20250.69%
Q1 20260.64%
Q2 20260.61%
Return on assets
0.63%0.89%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.73%
Q4 20240.66%
Q1 20250.81%
Q2 20250.70%
Q3 20250.78%
Q4 20250.71%
Q1 20261.14%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$765.9M9.53%0.61%1.08%89.4%
Q1 202666$746.2M9.52%0.64%1.14%83.8%
Q4 202562$716.8M9.53%0.69%0.71%84.6%
Q3 202562$709.6M9.59%0.82%0.78%84.8%
Q2 202560$698.0M9.15%0.82%0.70%85.9%
Q1 202563$685.5M9.28%0.64%0.81%84.6%
Q4 202461$677.8M9.76%0.91%0.66%83.7%
Q3 202461$655.6M9.84%0.93%0.73%83.9%
Q2 202460$639.2M9.85%0.92%0.63%85.7%

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 ratio9.53%
21st
Problem loans0.61%
55th
Net charge-offs0.52%
33rd
Return on assets1.08%
71st
Loans to deposits89.4%
18th
Uninsured deposits5.7%
52nd
Loan-loss reserves0.00%
50th
Texas ratio6.7%
27th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union of GeorgiaCredit union Woodstock, GA68 out of 100, Moderate$766.1M10.5%1.00%vs
Kinetic Federal Credit UnionCredit union Columbus, GA66 out of 100, Moderate$664.6M14.1%1.55%vs
The Southern Credit UnionCredit union Fayetteville, GA76 out of 100, Strong$560.2M11.6%0.10%vs
Midsouth Community Federal Credit UnionCredit union Macon, GA77 out of 100, Strong$484.5M14.3%0.98%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Membersfirst Credit UnionCredit union Decatur, GA76 out of 100, Strong$429.0M11.7%0.20%vs

Deposit insurance

Is my money safe at Coosa Valley Credit Union?

Yes. Coosa Valley Credit Union is a federally insured credit union (NCUA charter #68683). 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 5.7% of shares and deposits ($38.9M) 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 9.53%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Coosa Valley Credit Union lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Coosa Valley Credit Union reported 25 home-loan applications under HMDA (LEI 549300512TZWD1YUA619): 25 originated ($5,115,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Coosa Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68683
RSSD ID
1000388
Primary regulator
State + NCUA
Established
1954
Headquarters
2010 Redmond CIR NW, Rome, GA 30165
Employees
142

Quick answers

Coosa Valley Credit Union: common questions

Is Coosa Valley Credit Union NCUA insured?

Yes. Coosa Valley Credit Union is a federally insured credit union (NCUA charter #68683). 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 Coosa Valley Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Coosa Valley Credit Union have?

12 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rome

InstitutionScoreAssetsCapitalProblem loansCompare
Rome Kraft Employees Credit UnionCredit union Coosa, GA89 out of 100, Very strong$23.0M24.7%0.49%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs
First Southern State BankBank Stevenson, AL77 out of 100, Strong$893.5M10.6%0.25%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Peoples Bank of AlabamaBank Cullman, AL76 out of 100, Strong$1.4B11.2%0.56%vs