Stephens County Community Federal Credit Union (NCUA charter #20890) is based in Toccoa, Georgia. Its Q2 2026 call report shows $155K in total assets and $133K in member shares and deposits and 2 offices.
Stephens County Community Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 38th. Earnings contributes the most (100/100, 3.63%); loan quality contributes the least (0/100, 13.84%).
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 26 points (95 → 69), mostly because the loan quality component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 91 |
| Q4 2024 | 75 |
| Q1 2025 | 88 |
| Q2 2025 | 95 |
| Q3 2025 | 96 |
| Q4 2025 | 78 |
| Q1 2026 | 54 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.52% |
| Q3 2024 | 13.02% |
| Q4 2024 | 12.04% |
| Q1 2025 | 12.37% |
| Q2 2025 | 13.42% |
| Q3 2025 | 13.82% |
| Q4 2025 | 12.35% |
| Q1 2026 | 12.72% |
| Q2 2026 | 13.97% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 49.01% |
| Q2 2026 | 13.84% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.61% |
| Q4 2024 | 0.00% |
| Q1 2025 | 1.53% |
| Q2 2025 | 3.15% |
| Q3 2025 | 2.70% |
| Q4 2025 | 0.21% |
| Q1 2026 | 1.53% |
| Q2 2026 | 3.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $155K | 13.97% | 13.84% | 3.63% | 16.6% |
| Q1 2026 | 54 | $152K | 12.72% | 49.01% | 1.53% | 17.3% |
| Q4 2025 | 78 | $152K | 12.35% | 0.00% | 0.21% | 18.1% |
| Q3 2025 | 96 | $157K | 13.82% | 0.00% | 2.70% | 19.1% |
| Q2 2025 | 95 | $156K | 13.42% | 0.00% | 3.15% | 14.3% |
| Q1 2025 | 88 | $154K | 12.37% | 0.00% | 1.53% | 15.8% |
| Q4 2024 | 75 | $153K | 12.04% | 0.00% | 0.00% | 17.0% |
| Q3 2024 | 91 | $153K | 13.02% | 0.00% | 1.61% | 14.8% |
| Q2 2024 | 86 | $151K | 12.52% | 0.00% | 1.15% | 4.4% |
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 |
|---|---|---|---|---|---|
| F a B Church Federal Credit UnionCredit union Savannah, GA | 63 out of 100, Moderate | $488K | 14.8% | 13.99% | vs |
| Harris Employees Credit UnionCredit union Cordele, GA | 53 out of 100, Below average | $626K | 34.3% | 3.95% | vs |
| Berrien Teachers Federal Credit UnionCredit union Nashville, GA | 60 out of 100, Moderate | $1.4M | 18.8% | 7.51% | vs |
| Flint River Employees Federal Credit UnionCredit union Oglethorpe, GA | 82 out of 100, Strong | $1.7M | 38.1% | 0.22% | vs |
| Macon-Bibb Employees Credit UnionCredit union Macon, GA | 63 out of 100, Moderate | $2.7M | 10.8% | 0.45% | vs |
| Flint Federal Credit UnionCredit union Reynolds, GA | 99 out of 100, Very strong | $2.9M | 30.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Stephens County Community Federal Credit Union?
Yes. Stephens County Community Federal Credit Union is a federally insured credit union (NCUA charter #20890). 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 0.0% of shares and deposits ($0) 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 13.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Stephens County Community Federal Credit Union lists 2 offices in 1 city. Most locations:
- Toccoa, GA (2)
Identity & history
Profile
- Legal name
- Stephens County Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20890
- RSSD ID
- 196480
- Primary regulator
- NCUA
- Established
- 1972
- Headquarters
- Po Box 6, Toccoa, GA 30577
Quick answers
Stephens County Community Federal Credit Union: common questions
Is Stephens County Community Federal Credit Union NCUA insured?
Yes. Stephens County Community Federal Credit Union is a federally insured credit union (NCUA charter #20890). 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 Stephens County Community Federal Credit Union's TellerScore?
69 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 Stephens County Community Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Toccoa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Wright Credit UnionCredit union Toccoa, GA | 84 out of 100, Strong | $16.2M | 17.3% | 0.29% | vs |
| Rabun County BankBank Clayton, GA | 81 out of 100, Strong | $361.5M | 10.5% | 0.05% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |