Sep, 30, 2025 — VALDOSTA TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in VALDOSTA, GA with 1 branch location and about $12.77 million in total assets. Opened 68 years ago in 1958, VALDOSTA TEACHERS FEDERAL CREDIT UNION has about 2,335 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VALDOSTA TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 102 E Force St VALDOSTA, GA 31601-3904 |
| Phone: | (229) 247-9930 |
| Fax: | (229) 247-1949 |
| Website: | https://www.valdostateachersfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,335 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 12290 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $12,766,217 |
| CEO/Manager: | Katy Houston |
| Chairperson: | Willie C Ferrebee |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,052,159 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 713,805 |
| Unsecured Loans | 1,099,788 |
| Other Loans | 4,308,919 |
| TOTAL LOANS | 6,122,512 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -99,633 |
| Land And Building | 254,782 |
| Other Fixed Assets | 122,982 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 104,509 |
| All Other Assets | 0 |
| TOTAL ASSETS | 12,766,217 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,117 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 76,814 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,256,974 |
| Regular shares | 5,743,522 |
| All Other Shares & Deposits | 2,997,880 |
| TOTAL SHARES & DEPOSITS | 10,998,376 |
| TOTAL LIABILITIES | 11,079,307 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 1,686,910 |
| TOTAL EQUITY | 1,686,910 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,766,217 |
| INCOME & EXPENSE | |
| Loan Income | 355,354 |
| Investment Income | 161,506 |
| Other Income | 97,268 |
| Total Employee Compensation & Benefits | 285,548 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 195,065 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 32,395 |
| Cost of Funds | 32,364 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 99,710 |
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