TellerScore

Headquartered in Valdosta, Georgia, Georgia Power Valdosta Federal Credit Union is a federal credit union with $22.9M in total assets and $19.3M in member shares and deposits as of Q2 2026. Its charter dates back to 1958.

Georgia Power Valdosta Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 15th. Capital cushion contributes the most (100/100, 15.20%); earnings contributes the least (55/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.20%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity94/100
Loans ÷ shares: 66.5% · 6.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.85%

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 8 points (76 → 84), mostly because the loan quality component improved by 25 points.

TellerScore
526986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202452
Q4 202468
Q1 202582
Q2 202576
Q3 202584
Q4 202583
Q1 202686
Q2 202684
Net worth ratio
7.00%11.10%15.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.69%
Q3 202412.81%
Q4 202412.66%
Q1 202513.21%
Q2 202513.91%
Q3 202514.64%
Q4 202514.66%
Q1 202615.04%
Q2 202615.20%
Delinquent loans (60+ days)
0.65%1.68%2.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20242.71%
Q4 20241.07%
Q1 20250.85%
Q2 20251.43%
Q3 20250.97%
Q4 20250.98%
Q1 20260.65%
Q2 20260.69%
Return on assets
-0.07%0.67%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 20240.13%
Q4 20240.21%
Q1 20251.41%
Q2 20251.14%
Q3 20251.33%
Q4 20251.15%
Q1 20261.16%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$22.9M15.20%0.69%0.86%66.5%
Q1 202686$22.9M15.04%0.65%1.16%65.6%
Q4 202583$23.1M14.66%0.98%1.15%64.8%
Q3 202584$22.9M14.64%0.97%1.33%65.3%
Q2 202576$23.4M13.91%1.43%1.14%64.1%
Q1 202582$24.3M13.21%0.85%1.41%62.2%
Q4 202468$24.6M12.66%1.07%0.21%63.9%
Q3 202452$24.1M12.81%2.71%0.13%66.4%
Q2 202468$24.1M12.69%0.81%-0.07%67.1%

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 ratio15.20%
55th
Problem loans0.69%
50th
Net charge-offs0.32%
38th
Return on assets0.86%
61st
Loans to deposits66.5%
39th
Uninsured deposits6.0%
17th
Loan-loss reserves0.00%
37th
Texas ratio2.8%
44th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Glynn County Federal Employees Credit UnionCredit union Brunswick, GA62 out of 100, Moderate$23.0M19.2%2.54%vs
Rome Kraft Employees Credit UnionCredit union Coosa, GA89 out of 100, Very strong$23.0M24.7%0.49%vs
Savannah Postal Credit UnionCredit union Savannah, GA60 out of 100, Moderate$24.6M15.1%5.80%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Combined Employees Credit UnionCredit union Warner Robins, GA66 out of 100, Moderate$18.3M8.4%0.05%vs

Deposit insurance

Is my money safe at Georgia Power Valdosta Federal Credit Union?

Yes. Georgia Power Valdosta Federal Credit Union is a federally insured credit union (NCUA charter #12291). 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 6.0% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.20%, 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
Georgia Power Valdosta Federal Credit Union
Type
Federal credit union
NCUA charter #
12291
RSSD ID
417886
Primary regulator
NCUA
Established
1958
Headquarters
1707 Dow Street, Valdosta, GA 31601
Employees
10

Quick answers

Georgia Power Valdosta Federal Credit Union: common questions

Is Georgia Power Valdosta Federal Credit Union NCUA insured?

Yes. Georgia Power Valdosta Federal Credit Union is a federally insured credit union (NCUA charter #12291). 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 Power Valdosta Federal Credit Union's TellerScore?

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