Federal credit union · Valdosta, Georgia · NCUA charter #12291
Georgia Power Valdosta
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $23.1M
- Total assets
- 2,767
- Members
- 15.0%
- Net-worth ratio
Georgia Power Valdosta scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.1M; members 2,767; net-worth ratio 15.04%; health rank #2,561 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,561 of 4,374 health · 2025Q4Georgia Power Valdosta · health 81/100 · $23.1M · 2025Q4
Call Report peers
Georgia Power Valdosta in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Georgia Power Valdosta vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Georgia Power Valdosta sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Peer-gap read for Georgia Power Valdosta
- Largest favorable gap: Loan-to-Share Ratio at 64.82% vs peer 59.80% (+5.02 pp).
- Return on Assets trails the peer set - 0.23% here, 0.70% peer average (-0.48 pp).
Where Georgia Power Valdosta sits in Georgia
- In Georgia, health place is #42 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #45 of 74 inside Georgia ($23.1M reported).
- Georgia membership ordinal: #43 of 74.
- One place up in Georgia, CGR (#41) ties at 81/100; one place down, Atlanta Postal (#43) ties at 81/100.
How Georgia Power Valdosta's 5300 filing moved
Georgia Power Valdosta: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $23.1M (2025Q4) to $22.9M (2026Q1).
- Net-worth ratio shifted +0.38 pp (14.66% → 15.04%).
This credit union's 15.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Georgia Power Valdosta gives up 19 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 10.9 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for Georgia Power Valdosta
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.04% | +0.18 pp |
| Delinquency Rate | 0.98% | -0.17 pp |
| Return on Assets | 0.23% | -0.48 pp |
| Member Growth | -1.74% | - |
| Loan-to-Share Ratio | 64.82% | +5.02 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Georgia Power Valdosta quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.9M | - |
| 2025Q4 | $23.1M | 2,767 |
| 2024Q4 | $24.6M | 2,816 |
| 2023Q4 | $24.9M | 2,896 |
Credit Union Details
- Charter Number
- 12291
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Valdosta
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Georgia Power Valdosta runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Valdosta, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Georgia Power Valdosta ranks #2,561 of 4,374 nationally on financial health and #42 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Savannah Postal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Savannah Postal
Frequently Asked Questions
Is Georgia Power Valdosta financially healthy?
On its 2025Q4 NCUA 5300 filing, Georgia Power Valdosta scores 81/100 (Excellent), with a 15.04% net worth ratio and 0.98% of loans delinquent. It ranks #2,561 of 4,374 nationally on health and #42 of 74 in Georgia.
How does Georgia Power Valdosta compare to other credit unions?
Georgia Power Valdosta scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.82% vs 59.80%). Its widest shortfall is return on assets (0.23% vs 0.70%).
How can I join Georgia Power Valdosta?
Georgia Power Valdosta 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 Georgia Power Valdosta directly for the exact boundaries and application steps.
Is my money safe at Georgia Power Valdosta?
Georgia Power Valdosta 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. Georgia Power Valdosta's net worth ratio of 15.04% 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.