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.
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Stephens County Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Stephens County Community sits in 75-79 with 502 others.
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
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).
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.
- One place up in Georgia, Regional Members (#55) ties at 75/100; one place down, Brosnan Yard (#57) scores 73/100, 2 points lower.
Stephens County Community Call Report trajectory
Stephens County Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $152K (2025Q4) to $152K (2026Q1).
- Net-worth ratio shifted +0.37 pp (12.35% → 12.72%).
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
Stephens County Community gives up 25 points in total. Return on Assets costs the most, 10.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Stephens County Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Stephens County Community scores 75/100 (Very Good), with a 12.72% net worth ratio and 0.00% of loans delinquent. It ranks #3,270 of 4,374 nationally on health and #56 of 74 in Georgia.
How does Stephens County Community compare to other credit unions?
Stephens County Community scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (18.13% vs 52.70%).
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?
Stephens County Community 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. Stephens County Community's net worth ratio of 12.72% 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.