Federal credit union · Chickamauga, Georgia · NCUA charter #20610
Walker County Educators
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $14.2M
- Total assets
- 1,394
- Members
- 25.0%
- Net-worth ratio
Walker County Educators scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.2M; members 1,394; net-worth ratio 25.00%; health rank #870 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#870 of 4,374 health · 2025Q4Walker County Educators · health 91/100 · $14.2M · 2025Q4
Call Report peers
Walker County Educators in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Walker County Educators vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Walker County Educators sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Walker County Educators: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +18.09 pp (77.89% vs 59.80%).
Walker County Educators: in-state Call Report ranks
- Georgia health ordinal: #21 of 74.
- Georgia assets place: #52 of 74.
- Member book place in Georgia: #54 of 74.
- One place up in Georgia, CORE (#20) scores 92/100, 1 point higher; one place down, Workmen's Circle Incorporated (#22) ties at 91/100.
Walker County Educators Call Report trajectory
Walker County Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $14.2M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted -1.07 pp (26.07% → 25.00%).
25.00% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Walker County Educators gives up 9 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.00% | +10.14 pp |
| Delinquency Rate | 0.20% | -0.95 pp |
| Return on Assets | 1.24% | +0.54 pp |
| Member Growth | -1.48% | - |
| Loan-to-Share Ratio | 77.89% | +18.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Walker County Educators quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.9M | - |
| 2025Q4 | $14.2M | 1,394 |
| 2024Q4 | $14.2M | 1,415 |
| 2023Q4 | $13.6M | 1,445 |
Credit Union Details
- Charter Number
- 20610
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Chickamauga
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Walker County Educators runs one office.
| Office | City |
|---|---|
| Walker County Educators FCU - Chickamauga Office (Main Office) | Chickamauga, 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.
Walker County Educators nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Walker County Educators ranks #870 of 4,374 nationally on financial health and #21 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valdosta Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valdosta Teachers
Frequently Asked Questions
Is Walker County Educators financially healthy?
On its 2025Q4 NCUA 5300 filing, Walker County Educators scores 91/100 (Excellent), with a 25.00% net worth ratio and 0.20% of loans delinquent. It ranks #870 of 4,374 nationally on health and #21 of 74 in Georgia.
How does Walker County Educators compare to other credit unions?
Walker County Educators scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.89% vs 59.80%).
How can I join Walker County Educators?
Walker County Educators 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 Walker County Educators directly for the exact boundaries and application steps.
Is my money safe at Walker County Educators?
Walker County Educators 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. Walker County Educators's net worth ratio of 25.00% 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.