Locoga Federal Credit Union is a federal credit union headquartered in Valdosta, Georgia, in business for about 66 years. At the end of Q2 2026 it reported $4.5M in total assets and $4.2M in member shares and deposits, with 3 offices across 2 states.
Based on its Q2 2026 filing, Locoga Federal Credit Union scores 48/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 70th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (21/100; 7.08%).
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 21 points (69 → 48), mostly because the loan quality component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 46 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 69 |
| Q3 2025 | 67 |
| Q4 2025 | 54 |
| Q1 2026 | 48 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.06% |
| Q3 2024 | 9.72% |
| Q4 2024 | 8.99% |
| Q1 2025 | 8.95% |
| Q2 2025 | 9.45% |
| Q3 2025 | 9.52% |
| Q4 2025 | 7.12% |
| Q1 2026 | 7.13% |
| Q2 2026 | 7.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.93% |
| Q3 2024 | 2.12% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.10% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.13% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.39% |
| Q4 2025 | -2.50% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $4.5M | 7.08% | 1.35% | 0.24% | 64.2% |
| Q1 2026 | 48 | $4.4M | 7.13% | 1.34% | 0.23% | 65.8% |
| Q4 2025 | 54 | $4.4M | 7.12% | 0.10% | -2.50% | 66.5% |
| Q3 2025 | 67 | $4.6M | 9.52% | 0.00% | 0.39% | 65.2% |
| Q2 2025 | 69 | $4.6M | 9.45% | 0.02% | 0.68% | 65.5% |
| Q1 2025 | 65 | $4.7M | 8.95% | 0.00% | 0.31% | 63.9% |
| Q4 2024 | 66 | $4.7M | 8.99% | 0.00% | 0.03% | 62.2% |
| Q3 2024 | 46 | $4.3M | 9.72% | 2.12% | 0.02% | 70.0% |
| Q2 2024 | 43 | $4.6M | 9.06% | 1.93% | -0.13% | 69.3% |
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Beka Federal Credit UnionCredit union Lindale, GA | 63 out of 100, Moderate | $4.6M | 13.0% | 0.86% | vs |
| E L C O Federal Credit UnionCredit union Elberton, GA | 84 out of 100, Strong | $5.3M | 20.1% | 0.78% | vs |
| Omega Psi Phi Fraternity Federal Credit UnionCredit union Toccoa, GA | 62 out of 100, Moderate | $5.5M | 9.1% | 0.81% | vs |
| Coffee County Teachers Federal Credit UnionCredit union Douglas, GA | 50 out of 100, Below average | $3.1M | 19.8% | 3.44% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| Rig Employees Credit UnionCredit union Macon, GA | 69 out of 100, Moderate | $5.9M | 43.8% | 3.24% | vs |
Deposit insurance
Is my money safe at Locoga Federal Credit Union?
Yes. Locoga Federal Credit Union is a federally insured credit union (NCUA charter #13516). 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 2.4% of shares and deposits ($101K) 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 7.08%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Locoga Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Valdosta, GA (2)
- Sandy, UT (1)
Identity & history
Profile
- Legal name
- Locoga Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13516
- RSSD ID
- 790589
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- PO Box 5787, Valdosta, GA 31603
- Employees
- 3
Quick answers
Locoga Federal Credit Union: common questions
Is Locoga Federal Credit Union NCUA insured?
Yes. Locoga Federal Credit Union is a federally insured credit union (NCUA charter #13516). 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 Locoga Federal Credit Union's TellerScore?
48 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.
How many branches does Locoga Federal Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Valdosta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Suwannee River Federal Credit UnionCredit union Live Oak, FL | 83 out of 100, Strong | $25.7M | 12.1% | 0.03% | vs |
| Southern Pine Credit UnionCredit union Lake Park, GA | 82 out of 100, Strong | $27.6M | 23.7% | 0.79% | vs |
| The Citizens National Bank of QuitmanBank Quitman, GA | 81 out of 100, Strong | $133.7M | 11.6% | 0.21% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Community Bank of GeorgiaBank Baxley, GA | 74 out of 100, Strong | $269.5M | 11.0% | 1.05% | vs |