Federal credit union · SAVANNAH, Georgia · NCUA charter #9408
Savannah Schools
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $44.0M
- Total assets
- 4,076
- Members
- 11.3%
- Net-worth ratio
Savannah Schools scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.0M; members 4,076; net-worth ratio 11.31%; health rank #2,753 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,753 of 4,374 health · 2025Q4Savannah Schools · health 80/100 · $44.0M · 2025Q4
- HEALTH 80/100
- NW 11.3%
- DELQ 1.05%
- ROA 0.14%
- ASSETS $44.0M
- MEM 4,076
- RANK #2,753/4,374
- PHOTO Energy Plus
- BOOK 9408
Call Report peers
Savannah Schools in the assets neighbourhood
Savannah Schools's $44.0M assets sit next to Energy Plus ($44.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Savannah Schools 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
80 36th percentile higher than 36% 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
Savannah Schools - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9408: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Savannah Schools diverges from peer averages
- Largest favorable gap: Delinquency Rate at 1.05% vs peer 1.15% (-0.09 pp).
- Loan-to-Share Ratio trails the peer set - 34.71% here, 59.80% peer average (-25.09 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Savannah Schools in Georgia
- Georgia health ordinal: #46 of 74.
- Assets rank #36 of 74 inside Georgia ($44.0M reported).
- Member book place in Georgia: #36 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 Savannah Schools
Savannah Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $44.0M (2025Q4) to $44.9M (2026Q1).
- Net-worth ratio shifted -0.19 pp (11.50% → 11.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 9.6 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.31% | -3.55 pp |
| Delinquency Rate | 1.05% | -0.09 pp |
| Return on Assets | 0.14% | -0.57 pp |
| Member Growth | 2.13% | - |
| Loan-to-Share Ratio | 34.71% | -25.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Savannah Schools
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.9M | - |
| 2025Q4 | $44.0M | 4,076 |
| 2024Q4 | $42.8M | 3,991 |
| 2023Q4 | $43.2M | 4,018 |
Credit Union Details
- Charter Number
- 9408
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- SAVANNAH
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Savannah Schools.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | SAVANNAH, GA |
| MALL BLVD | SAVANNAH, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Savannah Schools - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Savannah Schools ranks #2,753 of 4,374 nationally on financial health and #46 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B.O.N.D. Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B.O.N.D. Community
- 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 Savannah Schools financially healthy?
A 11.31% net worth ratio and a 1.05% delinquency rate feed into Savannah Schools's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,753 of 4,374; by total assets it ranks #2,518 of 4,374 nationally (same basis as /rankings/largest); and #36 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Savannah Schools compare to other credit unions?
On PlainCU's health composite, Savannah Schools lands at 80/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Savannah Schools?
Savannah Schools 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 Savannah Schools directly for the exact boundaries and application steps.
Is my money safe at Savannah Schools?
Federal credit unions like Savannah Schools 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. Savannah Schools's net worth ratio of 11.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Savannah Schools offer compared to banks?
Credit unions like Savannah Schools 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 Savannah Schools 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.