TellerScore

Workmen'S Circle Incorporated Credit Union (NCUA charter #67892) is based in Savannah, Georgia. Its Q2 2026 call report shows $135.0M in total assets and $106.6M in member shares and deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, Workmen'S Circle Incorporated Credit Union scores 90/100, which we describe as very strong. That is higher than 95% of 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 6th. Its strongest component is capital cushion (100/100; 20.83%), and its lowest is funding & liquidity (32/100; 102% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.83%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.25%
Funding & liquidity32/100
Loans ÷ shares: 101.8% · 38.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 2 points (88 → 90), mostly because the earnings component improved by 9 points.

TellerScore
828690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202484
Q1 202587
Q2 202588
Q3 202589
Q4 202589
Q1 202690
Q2 202690
Net worth ratio
7.00%13.91%20.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.89%
Q3 202418.85%
Q4 202419.14%
Q1 202519.83%
Q2 202519.66%
Q3 202519.60%
Q4 202519.57%
Q1 202620.10%
Q2 202620.83%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.86%1.56%2.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.98%
Q4 20241.08%
Q1 20251.60%
Q2 20251.77%
Q3 20251.86%
Q4 20251.85%
Q1 20262.15%
Q2 20262.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$135.0M20.83%0.00%2.25%101.8%
Q1 202690$135.9M20.10%0.00%2.15%98.7%
Q4 202589$135.9M19.57%0.00%1.85%98.3%
Q3 202589$132.4M19.60%0.00%1.86%101.2%
Q2 202588$128.3M19.66%0.00%1.77%105.0%
Q1 202587$124.0M19.83%0.00%1.60%102.5%
Q4 202484$125.9M19.14%0.00%1.08%99.6%
Q3 202483$125.4M18.85%0.00%0.98%98.4%
Q2 202482$123.1M18.89%0.00%0.86%99.2%

1,341 peers · $100 million – $1 billion

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 ratio20.83%
98th
Problem loans0.00%
100th
Net charge-offs0.00%
98th
Return on assets2.25%
98th
Loans to deposits101.8%
3rd
Uninsured deposits38.3%
0th
Loan-loss reserves0.00%
50th
Texas ratio0.0%
100th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Aflac Federal Credit UnionCredit union Columbus, GA86 out of 100, Very strong$133.8M38.9%1.66%vs
Family First Credit UnionCredit union Hapeville, GA64 out of 100, Moderate$136.3M13.5%1.94%vs
North Georgia Credit UnionCredit union Toccoa, GA70 out of 100, Strong$121.7M11.2%0.39%vs
Cgr Credit UnionCredit union Macon, GA95 out of 100, Very strong$120.0M22.2%0.52%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs
Go Energy Financial Credit UnionCredit union Tucker, GA72 out of 100, Strong$152.6M11.8%0.46%vs

Deposit insurance

Is my money safe at Workmen'S Circle Incorporated Credit Union?

Yes. Workmen'S Circle Incorporated Credit Union is a federally insured credit union (NCUA charter #67892). 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 38.3% of shares and deposits ($40.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 20.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Workmen'S Circle Incorporated Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Workmen'S Circle Incorporated Credit Union reported 96 home-loan applications under HMDA (LEI 254900TW8OMXXV334D32): 90 originated ($22,230,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Workmen'S Circle Incorporated Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67892
RSSD ID
1995
Primary regulator
State + NCUA
Established
1988
Headquarters
527 Stephenson Ave, Ste 1, Savannah, GA 31405
Employees
8

Quick answers

Workmen'S Circle Incorporated Credit Union: common questions

Is Workmen'S Circle Incorporated Credit Union NCUA insured?

Yes. Workmen'S Circle Incorporated Credit Union is a federally insured credit union (NCUA charter #67892). 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 Workmen'S Circle Incorporated Credit Union's TellerScore?

90 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 Workmen'S Circle Incorporated Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Savannah

InstitutionScoreAssetsCapitalProblem loansCompare
Carver State BankBank Savannah, GA89 out of 100, Very strong$111.2M15.0%0.37%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Palmetto State BankBank Hampton, SC88 out of 100, Very strong$597.5M14.8%0.12%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Core Credit UnionCredit union Statesboro, GA79 out of 100, Strong$151.6M12.8%0.37%vs