TellerScore

Regional Members Federal Credit Union is a federal credit union headquartered in Columbus, Georgia, in business for about 91 years. At the end of Q2 2026 it reported $9.6M in total assets and $8.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Regional Members Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 59th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 2% uninsured), and its lowest is earnings (0/100; -0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.15%
Loan quality44/100
Loans 60+ days delinquent ÷ total loans: 1.68%
Earnings0/100
Return on assets (annualized): -0.67%
Funding & liquidity99/100
Loans ÷ shares: 60.9% · 2.2% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.13%

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 11 points (70 → 59), mostly because the earnings component weakened by 47 points.

TellerScore
597182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202480
Q4 202473
Q1 202572
Q2 202570
Q3 202579
Q4 202560
Q1 202659
Q2 202659
Net worth ratio
7.00%10.79%14.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.30%
Q3 202413.51%
Q4 202413.61%
Q1 202513.50%
Q2 202513.75%
Q3 202514.58%
Q4 202514.35%
Q1 202613.31%
Q2 202613.15%
Delinquent loans (60+ days)
0.90%1.77%2.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20241.27%
Q4 20241.73%
Q1 20251.16%
Q2 20251.44%
Q3 20251.03%
Q4 20252.65%
Q1 20261.60%
Q2 20261.68%
Return on assets
-2.04%0.01%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.06%
Q3 20241.85%
Q4 20241.51%
Q1 20250.61%
Q2 20250.67%
Q3 20251.06%
Q4 20250.51%
Q1 2026-2.04%
Q2 2026-0.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$9.6M13.15%1.68%-0.67%60.9%
Q1 202659$9.4M13.31%1.60%-2.04%66.6%
Q4 202560$9.0M14.35%2.65%0.51%75.1%
Q3 202579$9.1M14.58%1.03%1.06%78.4%
Q2 202570$9.3M13.75%1.44%0.67%75.9%
Q1 202572$9.4M13.50%1.16%0.61%74.0%
Q4 202473$9.2M13.61%1.73%1.51%77.2%
Q3 202480$9.2M13.51%1.27%1.85%78.4%
Q2 202482$9.9M12.30%0.90%2.06%72.1%

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 ratio13.15%
40th
Problem loans1.68%
25th
Net charge-offs0.97%
14th
Return on assets-0.67%
9th
Loans to deposits60.9%
47th
Uninsured deposits2.2%
43rd
Loan-loss reserves2.45%
91st
Texas ratio6.1%
24th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA95 out of 100, Very strong$10.3M23.6%0.12%vs
Mercy Federal Credit UnionCredit union Savannah, GA55 out of 100, Moderate$12.4M19.3%2.65%vs
Ware County School Employees Federal Credit UnionCredit union Waycross, GA86 out of 100, Very strong$6.3M14.1%0.00%vs
Brosnan Yard Federal Credit UnionCredit union Macon, GA67 out of 100, Moderate$6.2M16.0%3.77%vs
Valdosta Teachers Federal Credit UnionCredit union Valdosta, GA61 out of 100, Moderate$13.2M13.4%2.29%vs
Rig Employees Credit UnionCredit union Macon, GA69 out of 100, Moderate$5.9M43.8%3.24%vs

Deposit insurance

Is my money safe at Regional Members Federal Credit Union?

Yes. Regional Members Federal Credit Union is a federally insured credit union (NCUA charter #376). 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 2.2% of shares and deposits ($182K) 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 13.15%, well 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

Regional Members Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Regional Members Federal Credit Union
Type
Federal credit union
NCUA charter #
376
RSSD ID
110477
Primary regulator
NCUA
Established
1935
Headquarters
P O Box 9304, Columbus, GA 31908
Employees
4

Quick answers

Regional Members Federal Credit Union: common questions

Is Regional Members Federal Credit Union NCUA insured?

Yes. Regional Members Federal Credit Union is a federally insured credit union (NCUA charter #376). 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 Regional Members Federal Credit Union's TellerScore?

59 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 Regional Members Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Columbus

InstitutionScoreAssetsCapitalProblem loansCompare
Chattahoochee Federal Credit UnionCredit union Valley, AL87 out of 100, Very strong$23.4M15.0%0.51%vs
First Peoples BankBank Pine Mountain, GA77 out of 100, Strong$449.4M12.8%0.12%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
AuburnBankBank Auburn, AL74 out of 100, Strong$1.1B10.7%0.01%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
Phenix-Girard BankBank Phenix City, AL71 out of 100, Strong$342.3M11.8%0.51%vs