Federal credit union · Douglas, Georgia · NCUA charter #16014
Coffee County Teachers
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $3.1M
- Total assets
- 914
- Members
- 21.5%
- Net-worth ratio
Coffee County Teachers scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 914; net-worth ratio 21.48%; health rank #3,632 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,632 of 4,374 health · 2025Q4Coffee County Teachers · health 69/100 · $3.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Coffee County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Coffee County Teachers sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Coffee County Teachers vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +16.72 pp (80.32% vs 63.60%).
- Delinquency Rate trails the peer set - 2.81% here, 1.81% peer average (+1.00 pp).
Coffee County Teachers in Georgia
- Georgia health ordinal: #64 of 74.
- By total assets, Coffee County Teachers is #67 of 74 in Georgia.
- Membership ranks #59 of 74 among Georgia CUs with a reported count (914 members).
- One place up in Georgia, AFLAC (#63) ties at 69/100; one place down, LOCOGA (#65) ties at 69/100.
Quarter path for Coffee County Teachers
Coffee County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $3.1M (2025Q4) to $3.0M (2026Q1).
- Net-worth ratio shifted +0.04 pp (21.44% → 21.48%).
This credit union's 21.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Coffee County Teachers gives up 31 points in total. Delinquency Rate costs the most, 17.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.48% | +2.42 pp |
| Delinquency Rate | 2.81% | +1.00 pp |
| Return on Assets | 1.10% | +0.65 pp |
| Member Growth | -4.19% | - |
| Loan-to-Share Ratio | 80.32% | +16.72 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Coffee County Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.0M | - |
| 2025Q4 | $3.1M | 914 |
| 2024Q4 | $3.2M | 954 |
| 2023Q4 | $3.4M | 1,027 |
Credit Union Details
- Charter Number
- 16014
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Douglas
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Coffee County Teachers.
| Office | City |
|---|---|
| Coffee County Teachers Federal Credit Union (Main Office) | Douglas, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
- MACON-BIBB EMPLOYEES CREDIT UNIONMacon, GA · $2M–$10M70Health
- UNITED NEIGHBORHOODAugusta, GA · $2M–$10M67Health
- FLINTReynolds, GA · $2M–$10M87Health
- GEORGIA GUARDMACON, GA · $2M–$10M35Health
- LOCOGAValdosta, GA · $2M–$10M69Health
Compare Coffee County Teachers vs MACON-BIBB EMPLOYEES CREDIT UNION
Other-state peers near Coffee County Teachers
Similar health score
Using this data
- Coffee County Teachers ranks #3,632 of 4,374 nationally on financial health and #64 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Macon-Bibb Employees Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Macon-Bibb Employees Credit Union
Frequently Asked Questions
Is Coffee County Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Coffee County Teachers scores 69/100 (Good), with a 21.48% net worth ratio and 2.81% of loans delinquent. It ranks #3,632 of 4,374 nationally on health and #64 of 74 in Georgia.
How does Coffee County Teachers compare to other credit unions?
Coffee County Teachers scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (80.32% vs 63.60%). Its widest shortfall is delinquency rate (2.81% vs 1.81%).
How can I join Coffee County Teachers?
Coffee County Teachers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Coffee County Teachers directly for the exact boundaries and application steps.
Is my money safe at Coffee County Teachers?
Coffee County Teachers is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Coffee County Teachers's net worth ratio of 21.48% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.