STEPHENS COUNTY COMMUNITY
Federal • Toccoa, Georgia • Est. 1972
Quick Facts
- Charter Number
- #20890
- Type
- Federal
- Established
- 1972
- Headquarters
- Toccoa, Georgia 30577
- Address
- 69 W Whitman St
- Branches
- 2
- Members
- 114
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
This institution does not meet CUScore's minimum D-tier combination of net worth and delinquency metrics. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
114 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | STEPHENS COUNTY COMMUNITY |
|---|---|
| Total Assets | $152K |
| Members | 114 |
| Loans Outstanding | $23K |
| Shares & Deposits | $133K |
| Net Worth | $19K |
| Net Worth Ratio | 12.72% |
| Loan-to-Share Ratio | 17.3% |
| Delinquency Rate | 49.01% |
| Net Income | +$584 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations
Main Office Whitman St
Main Office69 W Whitman St
Toccoa, GA 30577
Disaster Recovery/Branch
51 W Doyle St
Toccoa, GA 30577
Who Can Join STEPHENS COUNTY COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for STEPHENS COUNTY COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact STEPHENS COUNTY COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Georgia
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Georgia RankingsFrequently Asked Questions
STEPHENS COUNTY COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, STEPHENS COUNTY COMMUNITY has 114 members and a potential membership field of 25,000 people.
STEPHENS COUNTY COMMUNITY's reported net worth ratio is 12.72% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
STEPHENS COUNTY COMMUNITY operates 2 branch locations. The main office is located at 69 W Whitman St, Toccoa, GA 30577.
STEPHENS COUNTY COMMUNITY was established in 1972. It is a federal credit union chartered under charter number 20890. The institution has been serving members for 54 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or STEPHENS COUNTY COMMUNITY. All financial data is for informational purposes only.