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
- DELQ 91/100
- ROA 25.0%
- ASSETS 0.20%
- MEM 1.24%
- RANK $14.2M
- PHOTO 1,394
- BOOK #870/4,374
- CHARTER Scranton Downtown
- NCUSIF 20610
Call Report peers
Walker County Educators in the assets neighbourhood
Walker County Educators's $14.2M assets sit next to Scranton Downtown ($14.1M) 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.
Walker County Educators 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
91 Top 23% higher than 77% 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
Walker County Educators - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20610, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Walker County Educators Call Report trajectory
Walker County Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $14.2M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted -1.07 pp (26.07% → 25.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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).
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
Two NCUA Call Report peer sets for Walker County Educators, both outside Georgia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 Walker County Educators financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Walker County Educators carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #870 of 4,374; by total assets it ranks #3,354 of 4,374 nationally (same basis as /rankings/largest); and #52 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 25.00% net worth ratio and a 0.20% delinquency rate.
How does Walker County Educators compare to other credit unions?
Walker County Educators scores 91/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Walker County Educators 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. Walker County Educators's net worth ratio of 25.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Walker County Educators offer compared to banks?
Credit unions like Walker County Educators 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 Walker County Educators 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.