Federal credit union · Valdosta, Georgia · NCUA charter #12290
Valdosta Teachers
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $12.6M
- Total assets
- 2,338
- Members
- 13.3%
- Net-worth ratio
Valdosta Teachers scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.6M; members 2,338; net-worth ratio 13.26%; health rank #2,422 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,422 of 4,374 health · 2025Q4Valdosta Teachers · health 82/100 · $12.6M · 2025Q4
Call Report peers
Valdosta Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Valdosta Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Valdosta Teachers sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Valdosta Teachers vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 56.76% here, 59.80% peer average (-3.04 pp).
Georgia standing for Valdosta Teachers
- Health composite ranks #39 of 74 among scored Georgia credit unions.
- Assets rank #53 of 74 inside Georgia ($12.6M reported).
- Membership ranks #46 of 74 among Georgia CUs with a reported count (2,338 members).
- One place up in Georgia, KINETIC (#38) ties at 82/100; one place down, CDC (#40) ties at 82/100.
Quarter path for Valdosta Teachers
Valdosta Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $12.6M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted -0.65 pp (13.91% → 13.26%).
13.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Valdosta Teachers gives up 18 points in total. Delinquency Rate costs the most, 9.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for Valdosta Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.26% | -1.60 pp |
| Delinquency Rate | 1.60% | +0.45 pp |
| Return on Assets | 0.58% | -0.13 pp |
| Member Growth | 0.65% | - |
| Loan-to-Share Ratio | 56.76% | -3.04 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Valdosta Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.0M | - |
| 2025Q4 | $12.6M | 2,338 |
| 2024Q4 | $12.2M | 2,323 |
| 2023Q4 | $11.4M | 2,285 |
Credit Union Details
- Charter Number
- 12290
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Valdosta
- Data Quarter
- 2025Q4
Branch Locations (2)
Valdosta Teachers operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Valdosta, GA |
| CMC Flex | Sandy, UT |
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.
Valdosta Teachers nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Valdosta Teachers ranks #2,422 of 4,374 nationally on financial health and #39 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MERCY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MERCY
Frequently Asked Questions
Is Valdosta Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Valdosta Teachers scores 82/100 (Excellent), with a 13.26% net worth ratio and 1.60% of loans delinquent. It ranks #2,422 of 4,374 nationally on health and #39 of 74 in Georgia.
How does Valdosta Teachers compare to other credit unions?
Valdosta Teachers scores 82/100, higher than 43% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (56.76% vs 59.80%).
How can I join Valdosta Teachers?
Valdosta Teachers 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 Valdosta Teachers directly for the exact boundaries and application steps.
Is my money safe at Valdosta Teachers?
Valdosta Teachers 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. Valdosta Teachers's net worth ratio of 13.26% 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.