Sep, 30, 2025 — STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in TOCCOA, GA with 2 branch locations and about $156,555 in total assets. Opened 54 years ago in 1972, STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNION has about 115 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 69 W Whitman St TOCCOA, GA 30577 |
| Phone: | (706) 886-3532 |
| Fax: | |
| Website: | n/a |
| Branches: | 2 branch locations |
| Members: | 115 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20890 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1972 |
| Last Audited: | Dec 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $156,555 |
| CEO/Manager: | Willie J Woodruff Jr |
| Chairperson: | Markques Keils |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 69,236 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 12,932 |
| Other Loans | 12,669 |
| TOTAL LOANS | 25,601 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,496 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,651 |
| All Other Assets | 0 |
| TOTAL ASSETS | 156,555 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,004 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 108,895 |
| All Other Shares & Deposits | 25,018 |
| TOTAL SHARES & DEPOSITS | 133,913 |
| TOTAL LIABILITIES | 134,917 |
| Regular Reserve | 0 |
| Other Reserves | 4,042 |
| Undivided Earnings | 17,596 |
| TOTAL EQUITY | 21,638 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 156,555 |
| INCOME & EXPENSE | |
| Loan Income | 1,834 |
| Investment Income | 1,234 |
| Other Income | 139 |
| Total Employee Compensation & Benefits | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 507 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 0 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,170 |
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