TellerScore

Headquartered in Chickamauga, Georgia, Walker County Educators Federal Credit Union is a federal credit union with $15.1M in total assets and $11.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1971.

Walker County Educators Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 12th. Capital cushion contributes the most (100/100, 24.79%); earnings contributes the least (46/100, 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.79%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity87/100
Loans ÷ shares: 73.4% · 1.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.06%

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 5 points (92 → 87), mostly because the earnings component weakened by 28 points.

TellerScore
879093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202491
Q4 202490
Q1 202593
Q2 202592
Q3 202591
Q4 202588
Q1 202688
Q2 202687
Net worth ratio
7.00%16.54%26.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.88%
Q3 202425.04%
Q4 202425.03%
Q1 202525.59%
Q2 202525.37%
Q3 202525.87%
Q4 202526.07%
Q1 202625.00%
Q2 202624.79%
Delinquent loans (60+ days)
0.00%0.10%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.11%
Q4 20240.11%
Q1 20250.06%
Q2 20250.00%
Q3 20250.08%
Q4 20250.20%
Q1 20260.06%
Q2 20260.03%
Return on assets
0.66%1.09%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.33%
Q4 20241.24%
Q1 20251.53%
Q2 20251.35%
Q3 20251.35%
Q4 20251.12%
Q1 20260.84%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$15.1M24.79%0.03%0.66%73.4%
Q1 202688$14.9M25.00%0.06%0.84%70.8%
Q4 202588$14.2M26.07%0.20%1.12%77.9%
Q3 202591$14.3M25.87%0.08%1.35%78.7%
Q2 202592$14.4M25.37%0.00%1.35%77.2%
Q1 202593$14.1M25.59%0.06%1.53%77.3%
Q4 202490$14.2M25.03%0.11%1.24%77.9%
Q3 202491$14.0M25.04%0.11%1.33%80.6%
Q2 202491$13.9M24.88%0.19%1.35%77.9%

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 ratio24.79%
88th
Problem loans0.03%
85th
Net charge-offs-0.02%
89th
Return on assets0.66%
51st
Loans to deposits73.4%
28th
Uninsured deposits1.2%
51st
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
The Wright Credit UnionCredit union Toccoa, GA84 out of 100, Strong$16.2M17.3%0.29%vs
Valdosta Teachers Federal Credit UnionCredit union Valdosta, GA61 out of 100, Moderate$13.2M13.4%2.29%vs
Mercy Federal Credit UnionCredit union Savannah, GA55 out of 100, Moderate$12.4M19.3%2.65%vs
Combined Employees Credit UnionCredit union Warner Robins, GA66 out of 100, Moderate$18.3M8.4%0.05%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA95 out of 100, Very strong$10.3M23.6%0.12%vs

Deposit insurance

Is my money safe at Walker County Educators Federal Credit Union?

Yes. Walker County Educators Federal Credit Union is a federally insured credit union (NCUA charter #20610). 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 1.2% of shares and deposits ($141K) 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 24.79%, 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

Walker County Educators Federal Credit Union lists 1 office in 1 city. Most locations:

  • Chickamauga, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Walker County Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
20610
RSSD ID
914488
Primary regulator
NCUA
Established
1971
Headquarters
P. O. Box 725, 925 Osburn Rd, Chickamauga, GA 30707
Employees
4

Quick answers

Walker County Educators Federal Credit Union: common questions

Is Walker County Educators Federal Credit Union NCUA insured?

Yes. Walker County Educators Federal Credit Union is a federally insured credit union (NCUA charter #20610). 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 Walker County Educators Federal Credit Union's TellerScore?

87 out of 100 (Very strong), 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 Walker County Educators Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs