Valdosta, Georgia · Peer group 2
Locoga Credit Union
Locoga Credit Union holds $4.4M in assets across 662 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1960. Charter number 13516, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.4M |
|---|---|
| Total loans | $2.7M |
| Total shares (deposits) | $4.1M |
| Net worth | $314K |
| Members | 662 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -7.1% | |
|---|---|---|
| Loans | -2.3% | around the 61st percentile of its peer group |
| Deposits | -5.1% | around the 29th percentile of its peer group |
| Members | -4.9% | around the 18th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 65.8% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.1% | lower than 97% of its peer group |
| Return on assets | 0.23% | around the 42nd percentile of its peer group |
| Delinquency ratio | 1.34% | around the 60th percentile of its peer group |
| Cash / assets | 29.1% | around the 83rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Locoga Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Georgia — the comparison set a peer ratio is measured against.
- Beka Credit Union
Lindale, GA
$4.6M · 433 members
- E L C O Credit Union
Elberton, GA
$5.2M · 692 members
- Georgia Guard Credit Union
MACON, GA
$3.4M · 717 members
- Omega Psi Phi Fraternity Credit Union
Toccoa, GA
$5.5M · 2,316 members
- United Neighborhood Credit Union
Augusta, GA
$3.1M · 623 members
- Coffee County Teachers Credit Union
Douglas, GA
$3.0M · 901 members
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