Ware County School Employees Federal Credit Union is a federal credit union headquartered in Waycross, Georgia, in business for about 64 years. At the end of Q2 2026 it reported $6.3M in total assets and $5.4M in member shares and deposits, with 1 office.
Ware County School Employees Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 14th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (62/100, 1.05%).
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 (82 → 86), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 80 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 83 |
| Q1 2026 | 83 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.76% |
| Q3 2024 | 12.51% |
| Q4 2024 | 12.78% |
| Q1 2025 | 12.89% |
| Q2 2025 | 13.02% |
| Q3 2025 | 13.32% |
| Q4 2025 | 13.53% |
| Q1 2026 | 13.48% |
| Q2 2026 | 14.08% |
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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 | 0.04% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $6.3M | 14.08% | 0.00% | 1.05% | 85.7% |
| Q1 2026 | 83 | $6.4M | 13.48% | 0.01% | 0.90% | 82.4% |
| Q4 2025 | 83 | $6.3M | 13.53% | 0.03% | 0.83% | 78.2% |
| Q3 2025 | 82 | $6.3M | 13.32% | 0.04% | 0.85% | 81.1% |
| Q2 2025 | 82 | $6.3M | 13.02% | 0.00% | 0.82% | 79.5% |
| Q1 2025 | 81 | $6.3M | 12.89% | 0.00% | 0.82% | 79.3% |
| Q4 2024 | 80 | $6.2M | 12.78% | 0.00% | 0.72% | 81.3% |
| Q3 2024 | 78 | $6.3M | 12.51% | 0.00% | 0.64% | 82.9% |
| Q2 2024 | 76 | $6.6M | 11.76% | 0.00% | 0.52% | 77.8% |
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 |
|---|---|---|---|---|---|
| Brosnan Yard Federal Credit UnionCredit union Macon, GA | 67 out of 100, Moderate | $6.2M | 16.0% | 3.77% | vs |
| Rig Employees Credit UnionCredit union Macon, GA | 69 out of 100, Moderate | $5.9M | 43.8% | 3.24% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| Omega Psi Phi Fraternity Federal Credit UnionCredit union Toccoa, GA | 62 out of 100, Moderate | $5.5M | 9.1% | 0.81% | vs |
| E L C O Federal Credit UnionCredit union Elberton, GA | 84 out of 100, Strong | $5.3M | 20.1% | 0.78% | vs |
| Beka Federal Credit UnionCredit union Lindale, GA | 63 out of 100, Moderate | $4.6M | 13.0% | 0.86% | vs |
Deposit insurance
Is my money safe at Ware County School Employees Federal Credit Union?
Yes. Ware County School Employees Federal Credit Union is a federally insured credit union (NCUA charter #15265). 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 12.6% of shares and deposits ($679K) 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 14.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Ware County School Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Waycross, GA (1)
Identity & history
Profile
- Legal name
- Ware County School Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15265
- RSSD ID
- 115584
- Primary regulator
- NCUA
- Established
- 1962
- Headquarters
- 1301 Bailey St, Waycross, GA 31501
- Employees
- 2
Quick answers
Ware County School Employees Federal Credit Union: common questions
Is Ware County School Employees Federal Credit Union NCUA insured?
Yes. Ware County School Employees Federal Credit Union is a federally insured credit union (NCUA charter #15265). 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 Ware County School Employees Federal Credit Union's TellerScore?
86 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 Ware County School Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Waycross
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Altamaha Federal Credit UnionCredit union Jesup, GA | 83 out of 100, Strong | $74.1M | 14.1% | 0.22% | vs |
| Waycross Bank & TrustBank Waycross, GA | 79 out of 100, Strong | $242.2M | 12.1% | 0.25% | vs |
| First Southern BankBank Waycross, GA | 74 out of 100, Strong | $347.2M | 10.9% | 0.01% | vs |
| Southeastern Credit UnionCredit union Valdosta, GA | 73 out of 100, Strong | $440.7M | 10.8% | 0.41% | vs |
| United Community BankBank Greenville, SC | 67 out of 100, Moderate | $29.0B | 9.5% | 0.51% | vs |