Headquartered in Valdosta, Georgia, Valdosta Teachers Federal Credit Union is a federal credit union with $13.2M in total assets and $11.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.
Based on its Q2 2026 filing, Valdosta Teachers Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 23% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 55th. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 1% uninsured), and its lowest is loan quality (24/100; 2.29%).
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 15 points (76 → 61), mostly because the earnings component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 54 |
| Q1 2025 | 80 |
| Q2 2025 | 76 |
| Q3 2025 | 73 |
| Q4 2025 | 77 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.47% |
| Q3 2024 | 13.89% |
| Q4 2024 | 12.99% |
| Q1 2025 | 12.67% |
| Q2 2025 | 13.09% |
| Q3 2025 | 13.21% |
| Q4 2025 | 13.91% |
| Q1 2026 | 13.26% |
| Q2 2026 | 13.41% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.91% |
| Q3 2024 | 1.74% |
| Q4 2024 | 3.45% |
| Q1 2025 | 0.07% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.60% |
| Q1 2026 | 1.38% |
| Q2 2026 | 2.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.48% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.29% |
| Q1 2026 | -0.70% |
| Q2 2026 | 0.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $13.2M | 13.41% | 2.29% | 0.31% | 50.4% |
| Q1 2026 | 63 | $13.0M | 13.26% | 1.38% | -0.70% | 51.1% |
| Q4 2025 | 77 | $12.6M | 13.91% | 1.60% | 1.29% | 56.8% |
| Q3 2025 | 73 | $12.8M | 13.21% | 1.60% | 1.04% | 55.7% |
| Q2 2025 | 76 | $12.8M | 13.09% | 1.36% | 1.29% | 54.9% |
| Q1 2025 | 80 | $12.6M | 12.67% | 0.07% | 0.48% | 53.9% |
| Q4 2024 | 54 | $12.2M | 12.99% | 3.45% | 0.60% | 56.6% |
| Q3 2024 | 65 | $11.0M | 13.89% | 1.74% | 0.12% | 60.5% |
| Q2 2024 | 67 | $11.5M | 13.47% | 1.91% | 0.65% | 61.5% |
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).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mercy Federal Credit UnionCredit union Savannah, GA | 55 out of 100, Moderate | $12.4M | 19.3% | 2.65% | vs |
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA | 95 out of 100, Very strong | $10.3M | 23.6% | 0.12% | vs |
| The Wright Credit UnionCredit union Toccoa, GA | 84 out of 100, Strong | $16.2M | 17.3% | 0.29% | vs |
| Regional Members Federal Credit UnionCredit union Columbus, GA | 59 out of 100, Moderate | $9.6M | 13.2% | 1.68% | vs |
| Combined Employees Credit UnionCredit union Warner Robins, GA | 66 out of 100, Moderate | $18.3M | 8.4% | 0.05% | vs |
Deposit insurance
Is my money safe at Valdosta Teachers Federal Credit Union?
Yes. Valdosta Teachers Federal Credit Union is a federally insured credit union (NCUA charter #12290). 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 1.0% of shares and deposits ($112K) 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 13.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Valdosta Teachers Federal Credit Union lists 1 office in 1 city. Most locations:
- Valdosta, GA (1)
Identity & history
Profile
- Legal name
- Valdosta Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12290
- RSSD ID
- 312280
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- 102 E. Force Street, Valdosta, GA 31601
- Employees
- 6
Quick answers
Valdosta Teachers Federal Credit Union: common questions
Is Valdosta Teachers Federal Credit Union NCUA insured?
Yes. Valdosta Teachers Federal Credit Union is a federally insured credit union (NCUA charter #12290). 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 Valdosta Teachers 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 Valdosta Teachers Federal Credit Union have?
1 office as of the latest NCUA data.
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 |