TellerScore

Georgia Heritage Federal Credit Union is a federal credit union headquartered in Savannah, Georgia, in business for about 86 years. At the end of Q2 2026 it reported $162.7M in total assets and $143.5M in member shares and deposits, with 1 office.

Georgia Heritage Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 42nd. Problem-loan coverage contributes the most (95/100, 2.3%); earnings contributes the least (32/100, 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.38%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity83/100
Loans ÷ shares: 77.0% · 4.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.25%

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 (68 → 67).

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202470
Q1 202569
Q2 202568
Q3 202566
Q4 202566
Q1 202668
Q2 202667
Net worth ratio
7.00%8.88%10.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.69%
Q3 202410.75%
Q4 202410.67%
Q1 202510.76%
Q2 202510.73%
Q3 202510.72%
Q4 202510.45%
Q1 202610.57%
Q2 202610.38%
Delinquent loans (60+ days)
0.29%0.43%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.39%
Q4 20240.29%
Q1 20250.32%
Q2 20250.29%
Q3 20250.54%
Q4 20250.57%
Q1 20260.33%
Q2 20260.34%
Return on assets
0.30%0.38%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.44%
Q4 20240.46%
Q1 20250.38%
Q2 20250.31%
Q3 20250.40%
Q4 20250.37%
Q1 20260.33%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$162.7M10.38%0.34%0.30%77.0%
Q1 202668$158.7M10.57%0.33%0.33%72.5%
Q4 202566$160.7M10.45%0.57%0.37%73.3%
Q3 202566$155.5M10.72%0.54%0.40%79.1%
Q2 202568$153.3M10.73%0.29%0.31%77.3%
Q1 202569$152.0M10.76%0.32%0.38%78.7%
Q4 202470$149.6M10.67%0.29%0.46%72.6%
Q3 202469$146.6M10.75%0.39%0.44%72.2%
Q2 202467$149.0M10.69%0.51%0.34%72.5%

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 ratio10.38%
35th
Problem loans0.34%
79th
Net charge-offs0.27%
61st
Return on assets0.30%
17th
Loans to deposits77.0%
47th
Uninsured deposits4.5%
66th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
73rd

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Excel Federal Credit UnionCredit union Norcross, GA79 out of 100, Strong$174.0M13.6%0.50%vs
Family First Credit UnionCredit union Hapeville, GA64 out of 100, Moderate$136.3M13.5%1.94%vs
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
Aflac Federal Credit UnionCredit union Columbus, GA86 out of 100, Very strong$133.8M38.9%1.66%vs

Deposit insurance

Is my money safe at Georgia Heritage Federal Credit Union?

Yes. Georgia Heritage Federal Credit Union is a federally insured credit union (NCUA charter #3800). 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 4.5% of shares and deposits ($6.4M) 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 10.38%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Georgia Heritage Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Georgia Heritage Federal Credit Union reported 103 home-loan applications under HMDA (LEI 54930058TT77ICBGRI91): 71 originated ($4,275,000 total), 11 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, 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
Georgia Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
3800
RSSD ID
301770
Primary regulator
NCUA
Established
1940
Headquarters
P O Box 1920, Savannah, GA 31402
Employees
49

Quick answers

Georgia Heritage Federal Credit Union: common questions

Is Georgia Heritage Federal Credit Union NCUA insured?

Yes. Georgia Heritage Federal Credit Union is a federally insured credit union (NCUA charter #3800). 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 Georgia Heritage Federal Credit Union's TellerScore?

67 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 Georgia Heritage Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Savannah

InstitutionScoreAssetsCapitalProblem loansCompare
Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA90 out of 100, Very strong$135.0M20.8%0.00%vs
First Century Bank, National AssociationBank Commerce, GA90 out of 100, Very strong$831.6M16.8%0.00%vs
Carver State BankBank Savannah, GA89 out of 100, Very strong$111.2M15.0%0.37%vs
Palmetto State BankBank Hampton, SC88 out of 100, Very strong$597.5M14.8%0.12%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs