STEPHENS COUNTY COMMUNITY
Federal • TOCCOA, Georgia • Est. 1972
Quick Facts
- Charter Number
- #20890
- Type
- Federal
- Established
- 1972
- Headquarters
- TOCCOA, Georgia 30577
- Address
- PO BOX 6
- Branches
- 2
- Members
- 114
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
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 | $24K |
| Shares & Deposits | $133K |
| Net Worth | $19K |
| Net Worth Ratio | 12.35% |
| Loan-to-Share Ratio | 18.1% |
| Delinquency Rate | 0.00% |
| Net Income | +$322 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in Georgia, ranked by assets, members, and financial health score.
View Georgia RankingsFrequently Asked Questions
Yes. STEPHENS COUNTY COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, STEPHENS COUNTY COMMUNITY has 114 members and a potential membership field of 25,000 people.
STEPHENS COUNTY COMMUNITY's net worth ratio is 12.35% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.3%, STEPHENS COUNTY COMMUNITY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or STEPHENS COUNTY COMMUNITY. All financial data is for informational purposes only.