Federal credit union · TOCCOA, Georgia · NCUA charter #20890
Stephens County Community
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $152K
- Total assets
- 114
- Members
- 12.7%
- Net-worth ratio
Stephens County Community scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $152K; members 114; net-worth ratio 12.72%; health rank #3,270 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,270 of 4,374 health · 2025Q4Stephens County Community · health 75/100 · $152K · 2025Q4
- PHOTO 75/100
- BOOK 12.7%
- CHARTER 0.00%
- NCUSIF 0.00%
- CAMELS $152K
- HEALTH 114
- NW #3,270/4,374
- DELQ n/a
- ROA 20890
Stephens County Community carries $152K 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.
Stephens County Community 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
75 24th percentile higher than 24% 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
Stephens County Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20890, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Stephens County Community diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -4.48 pp (0.00% vs 4.48%).
- Largest lag: Loan-to-Share Ratio at 18.13% vs peer 52.70% (-34.57 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia standing for Stephens County Community
- Health composite ranks #56 of 74 among scored Georgia credit unions.
- By total assets, Stephens County Community is #74 of 74 in Georgia.
- Member book place in Georgia: #74 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.
Stephens County Community Call Report trajectory
Stephens County Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $152K (2025Q4) to $152K (2026Q1).
- Net-worth ratio shifted +0.37 pp (12.35% → 12.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.5 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 8.1 pts
Stephens County Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.72% | -10.21 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.00% | -0.22 pp |
| Member Growth | -0.87% | - |
| Loan-to-Share Ratio | 18.13% | -34.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $152K | - |
| 2025Q4 | $152K | 114 |
| 2024Q4 | $153K | 115 |
| 2023Q4 | $150K | 113 |
Credit Union Details
- Charter Number
- 20890
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Georgia
- City
- TOCCOA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Stephens County Community runs 2 offices.
| Office | City |
|---|---|
| Main Office Whitman St (Main Office) | Toccoa, GA |
| Disaster Recovery/Branch | Toccoa, 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.
Other-state peers near Stephens County Community
Two NCUA Call Report peer sets for Stephens County Community, both outside Georgia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Stephens County Community ranks #3,270 of 4,374 nationally on financial health and #56 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- F a B Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with F a B Church
- 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 Stephens County Community financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Stephens County Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,270 of 4,374; by total assets it ranks #4,357 of 4,374 nationally (same basis as /rankings/largest); and #74 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.72% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Stephens County Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Stephens County Community's 75/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Stephens County Community?
Stephens County Community 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 Stephens County Community directly for the exact boundaries and application steps.
Is my money safe at Stephens County Community?
Federal credit unions like Stephens County Community 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. Stephens County Community's net worth ratio of 12.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stephens County Community offer compared to banks?
Credit unions like Stephens County Community 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 Stephens County Community 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.