Valdosta, Georgia · Peer group 3
Valdosta Teachers Credit Union
Valdosta Teachers Credit Union holds $13.0M in assets across 2,355 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1958. Charter number 12290, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $13.0M |
|---|---|
| Total loans | $5.7M |
| Total shares (deposits) | $11.1M |
| Net worth | $1.7M |
| Members | 2,355 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.0% | |
|---|---|---|
| Loans | -2.4% | around the 49th percentile of its peer group |
| Deposits | 3.0% | around the 63rd percentile of its peer group |
| Members | 1.2% | around the 79th 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 | 51.1% | around the 40th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.3% | around the 47th percentile of its peer group |
| Return on assets | -0.70% | lower than 91% of its peer group |
| Delinquency ratio | 1.38% | around the 76th percentile of its peer group |
| Cash / assets | 9.6% | around the 41st 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 Valdosta Teachers 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.
- Mercy Credit Union
Savannah, GA
$12.6M · 2,258 members
- Walker County Educators Credit Union
Chickamauga, GA
$14.9M · 1,392 members
- Colquitt County Teacher Credit Union
Moultrie, GA
$10.1M · 1,725 members
- The Wright Credit Union
Toccoa, GA
$16.4M · 1,820 members
- Regional Members Credit Union
COLUMBUS, GA
$9.4M · 1,240 members
- Combined Employees Credit Union
WARNER ROBINS, GA
$18.0M · 2,685 members
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