Federal credit union · Valdosta, Georgia · NCUA charter #13516
LOCOGA
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $4.4M
- Total assets
- 668
- Members
- 7.1%
- Net-worth ratio
LOCOGA scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.4M; members 668; net-worth ratio 7.13%; health rank #3,680 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,680 of 4,374 health · 2025Q4LOCOGA · health 69/100 · $4.4M · 2025Q4
- BOOK 69/100
- CHARTER 7.1%
- NCUSIF 0.10%
- CAMELS 0.03%
- HEALTH $4.4M
- NW 668
- DELQ #3,680/4,374
- ROA n/a
- ASSETS 13516
Call Report peers
LOCOGA carries $4.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LOCOGA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
LOCOGA - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13516: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for LOCOGA
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +2.90 pp (66.50% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -11.93 pp (7.13% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where LOCOGA sits in Georgia
- In Georgia, health place is #65 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #64 of 74 inside Georgia ($4.4M reported).
- Georgia membership ordinal: #65 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for LOCOGA
LOCOGA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $4.4M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.12% → 7.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 22.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 5.8 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.13% | -11.93 pp |
| Delinquency Rate | 0.10% | -1.71 pp |
| Return on Assets | 0.03% | -0.42 pp |
| Member Growth | -4.16% | - |
| Loan-to-Share Ratio | 66.50% | +2.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
LOCOGA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.4M | - |
| 2025Q4 | $4.4M | 668 |
| 2024Q4 | $4.7M | 697 |
| 2023Q4 | $4.6M | 710 |
Credit Union Details
- Charter Number
- 13516
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Valdosta
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, LOCOGA runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Valdosta, GA |
| CMC Vital Records | Sandy, UT |
| Georgia Power Valdosta Federal Credit Union | Valdosta, 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.
Other-state peers near LOCOGA
LOCOGA's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- LOCOGA ranks #3,680 of 4,374 nationally on financial health and #65 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BEKA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BEKA
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LOCOGA financially healthy?
A 7.13% net worth ratio and a 0.10% delinquency rate feed into LOCOGA's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,680 of 4,374; by total assets it ranks #3,942 of 4,374 nationally (same basis as /rankings/largest); and #64 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does LOCOGA compare to other credit unions?
LOCOGA scores 69/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join LOCOGA?
LOCOGA is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact LOCOGA directly to confirm eligibility.
Is my money safe at LOCOGA?
Federal credit unions like LOCOGA are 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. LOCOGA's net worth ratio of 7.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LOCOGA offer compared to banks?
Credit unions like LOCOGA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact LOCOGA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.