Headquartered in Defuniak Spring, Florida, Walton County Teachers Federal Credit Union is a federal credit union with $30.1M in total assets and $26.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1961.
Based on its Q2 2026 filing, Walton County Teachers Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 19th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 1% uninsured), and its lowest is capital cushion (59/100; 10.89%).
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 rose 4 points (77 → 81), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 57 |
| Q4 2024 | 78 |
| Q1 2025 | 72 |
| Q2 2025 | 77 |
| Q3 2025 | 71 |
| Q4 2025 | 75 |
| Q1 2026 | 74 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.82% |
| Q3 2024 | 9.53% |
| Q4 2024 | 9.80% |
| Q1 2025 | 9.80% |
| Q2 2025 | 10.00% |
| Q3 2025 | 10.44% |
| Q4 2025 | 10.58% |
| Q1 2026 | 10.26% |
| Q2 2026 | 10.89% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 2.15% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.73% |
| Q3 2025 | 1.33% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.45% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.46% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.57% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $30.1M | 10.89% | 0.45% | 1.66% | 52.1% |
| Q1 2026 | 74 | $30.3M | 10.26% | 0.43% | 0.99% | 50.2% |
| Q4 2025 | 75 | $28.6M | 10.58% | 0.96% | 1.57% | 53.5% |
| Q3 2025 | 71 | $28.2M | 10.44% | 1.33% | 1.68% | 53.7% |
| Q2 2025 | 77 | $28.3M | 10.00% | 0.73% | 1.77% | 54.2% |
| Q1 2025 | 72 | $27.2M | 9.80% | 0.67% | 1.17% | 55.1% |
| Q4 2024 | 78 | $26.4M | 9.80% | 0.24% | 1.46% | 59.6% |
| Q3 2024 | 57 | $25.7M | 9.53% | 2.15% | 1.28% | 63.6% |
| Q2 2024 | 58 | $26.4M | 8.82% | 1.59% | 0.99% | 62.3% |
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 Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL | 80 out of 100, Strong | $31.0M | 19.3% | 0.06% | vs |
| Florida a & M University Federal Credit UnionCredit union Tallahassee, FL | 43 out of 100, Below average | $28.0M | 11.9% | 3.46% | vs |
| Ecu Credit UnionCredit union Seminole, FL | 79 out of 100, Strong | $34.1M | 17.4% | 0.56% | vs |
| Compass Financial Federal Credit UnionCredit union Hialeah, FL | 64 out of 100, Moderate | $25.9M | 10.5% | 0.17% | vs |
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Suwannee River Federal Credit UnionCredit union Live Oak, FL | 83 out of 100, Strong | $25.7M | 12.1% | 0.03% | vs |
Deposit insurance
Is my money safe at Walton County Teachers Federal Credit Union?
Yes. Walton County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14186). 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 ($306K) 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 10.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Walton County Teachers Federal Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Walton County Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14186
- RSSD ID
- 525389
- Primary regulator
- NCUA
- Established
- 1961
- Headquarters
- Walton County Teachers FCU, 1586 US, Defuniak Spring, FL 32433
- Employees
- 7
Quick answers
Walton County Teachers Federal Credit Union: common questions
Is Walton County Teachers Federal Credit Union NCUA insured?
Yes. Walton County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #14186). 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 Walton County Teachers Federal Credit Union's TellerScore?
81 out of 100 (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 Walton County Teachers Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Defuniak Spring
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| Southern Independent BankBank Opp, AL | 87 out of 100, Very strong | $395.3M | 13.6% | 0.08% | vs |
| Eglin Federal Credit UnionCredit union Fort Walton Bea, FL | 85 out of 100, Very strong | $3.1B | 13.1% | 0.35% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| Fnbt BankBank Fort Walton Beach, FL | 79 out of 100, Strong | $628.5M | 11.1% | 0.00% | vs |
| CCB Community BankBank Andalusia, AL | 79 out of 100, Strong | $661.9M | 10.5% | 0.19% | vs |