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.
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#3,680 of 4,374 health · 2025Q4LOCOGA · health 69/100 · $4.4M · 2025Q4
Call Report peers
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LOCOGA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LOCOGA 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Georgia, Coffee County Teachers (#64) ties at 69/100; one place down, Georgia's Own (#66) scores 68/100, 1 point lower.
Quarter path for LOCOGA
LOCOGA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $4.4M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.12% → 7.13%).
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
LOCOGA gives up 31 points in total. Member Growth costs the most, 13.5 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is LOCOGA financially healthy?
On its 2025Q4 NCUA 5300 filing, LOCOGA scores 69/100 (Good), with a 7.13% net worth ratio and 0.10% of loans delinquent. It ranks #3,680 of 4,374 nationally on health and #65 of 74 in Georgia.
How does LOCOGA compare to other credit unions?
LOCOGA 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 (66.50% vs 63.60%). Its widest shortfall is net worth ratio (7.13% vs 19.06%).
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?
LOCOGA 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. LOCOGA's net worth ratio of 7.13% 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.