TellerScore

Headquartered in Savannah, Georgia, Savannah Schools Federal Credit Union is a federal credit union with $45.4M in total assets and $39.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Savannah Schools Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 54th. Problem-loan coverage contributes the most (93/100, 3.4%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.29%
Loan quality57/100
Loans 60+ days delinquent ÷ total loans: 1.29%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity83/100
Loans ÷ shares: 34.3% · 30.7% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.43%

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 10 points (71 → 61), mostly because the earnings component weakened by 30 points.

TellerScore
455973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202452
Q4 202445
Q1 202567
Q2 202571
Q3 202573
Q4 202572
Q1 202667
Q2 202661
Net worth ratio
7.00%9.25%11.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.82%
Q3 202411.09%
Q4 202410.76%
Q1 202510.67%
Q2 202510.96%
Q3 202511.28%
Q4 202511.50%
Q1 202611.31%
Q2 202611.29%
Delinquent loans (60+ days)
0.91%2.55%4.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.51%
Q3 20244.11%
Q4 20244.19%
Q1 20251.39%
Q2 20251.06%
Q3 20251.02%
Q4 20251.05%
Q1 20260.91%
Q2 20261.29%
Return on assets
0.14%0.64%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.92%
Q4 20240.14%
Q1 20250.99%
Q2 20251.04%
Q3 20251.13%
Q4 20251.03%
Q1 20260.25%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$45.4M11.29%1.29%0.31%34.3%
Q1 202667$44.9M11.31%0.91%0.25%33.5%
Q4 202572$44.0M11.50%1.05%1.03%34.7%
Q3 202573$44.1M11.28%1.02%1.13%34.3%
Q2 202571$44.1M10.96%1.06%1.04%34.5%
Q1 202567$44.2M10.67%1.39%0.99%33.8%
Q4 202445$42.8M10.76%4.19%0.14%36.9%
Q3 202452$43.7M11.09%4.11%0.92%36.3%
Q2 202450$43.4M10.82%3.51%0.71%37.5%

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 ratio11.29%
26th
Problem loans1.29%
32nd
Net charge-offs1.29%
10th
Return on assets0.31%
32nd
Loans to deposits34.3%
85th
Uninsured deposits30.7%
1st
Loan-loss reserves0.00%
37th
Texas ratio3.4%
39th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
On the Grid Financial Federal Credit UnionCredit union Atlanta, GA77 out of 100, Strong$45.3M13.9%0.37%vs
B.O.N.D. Community Federal Credit UnionCredit union Atlanta, GA33 out of 100, Low$44.1M10.9%3.63%vs
H E a Federal Credit UnionCredit union Warner Robins, GA73 out of 100, Strong$42.9M13.5%2.17%vs
Faith Connection Federal Credit UnionCredit union Marietta, GA55 out of 100, Moderate$32.4M10.3%1.31%vs
Artesian Federal Credit UnionCredit union Leesburg, GA48 out of 100, Below average$29.1M10.3%1.55%vs
Coweta Cities & County Employees Federal Credit UnionCredit union Newnan, GA96 out of 100, Very strong$28.1M20.4%0.00%vs

Deposit insurance

Is my money safe at Savannah Schools Federal Credit Union?

Yes. Savannah Schools Federal Credit Union is a federally insured credit union (NCUA charter #9408). 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 30.7% of shares and deposits ($12.2M) 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 11.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Savannah Schools Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Savannah Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
9408
RSSD ID
972684
Primary regulator
NCUA
Established
1954
Headquarters
4673 E. Highway 80, Savannah, GA 31410
Employees
12

Quick answers

Savannah Schools Federal Credit Union: common questions

Is Savannah Schools Federal Credit Union NCUA insured?

Yes. Savannah Schools Federal Credit Union is a federally insured credit union (NCUA charter #9408). 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 Savannah Schools Federal Credit Union's TellerScore?

61 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 Savannah Schools Federal Credit Union have?

2 offices 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
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%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