Valdosta Teachers

Valdosta, GA · 1 · Charter #12290 · www.valdostateachersfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.6M
48th percentile
Members
2,338
74th percentile
Total loans
$6.0M
49th percentile
Total shares
$10.6M
49th percentile

Profitability

Return on assets
1.60%
82th percentile
Net interest margin
5.18%
86th percentile
Efficiency ratio
71.90%
39th percentile
Non-interest income ratio
20.26%
83th percentile

Capital & Risk

Net worth ratio
13.91%
43th percentile
Delinquency rate
1.60%
29th percentile
Net charge-off rate
0.88%
20th percentile
Loan-to-share
56.76%
45th percentile

Growth

Member growth YoY
0.65%
74th percentile
Asset growth YoY
2.94%
62th percentile
Loan growth YoY
1.75%
69th percentile
Share growth YoY
1.37%
55th percentile

Operations

Members / branch
2,338
84th percentile
Assets / member
$5,380
19th percentile
Field of membership penetration
12.29%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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