Valdosta Teachers Federal Credit Union (12290), a $12.8M credit union headquartered in Valdosta, GA, led by CEO Houston, reported $11.0M in member deposits at the end of 2025 Q3, an increase of $1.6M (+16.8%) compared to the same quarter last year.
The credit union's 55.7% loan-to-share ratio reflects ample liquidity with room for additional lending capacity.
Taken together: balance sheet expansion is member-funded and sustainable.
Deposit Composition
Valdosta Teachers Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 52.2% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $5.7M | 52.2% | +29.4% |
| Money Market | $2.4M | 22.0% | -1.3% |
| Share Drafts | $2.3M | 20.5% | +22.7% |
| Share Certificates | $462K | 4.2% | +126.4% |
| IRA/KEOGH | $120K | 1.1% | -34.1% |
| Non-Member Deposits | $25 | 0.0% | +0.0% |
| Other Shares | $0 | 0.0% | -100.0% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Stable deposit growth of this magnitude typically reflects competitive dividend rates, successful marketing campaigns, or strong community relationships driving member acquisition.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $9.7M | $4K | |
| 2024 Q3 | $9.4M | -3.2% | $4K |
| 2024 Q4 | $10.5M | +11.4% | $5K |
| 2025 Q1 | $10.8M | +2.8% | $5K |
| 2025 Q2 | $10.9M | +0.9% | $5K |
| 2025 Q3 | $11.0M | +1.0% | $5K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Valdosta Teachers Federal Credit Union serves 2,335 members, an increase of 1.0% year-over-year. The average member deposit of $5K has grown 15.6% compared to last year.
Deposit growth exceeding member growth suggests existing members are increasing their balances, a sign of deepening relationships.
Historical Context: Since the 2008 Crisis
Valdosta Teachers Federal Credit Union's deposit base has grown 68% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $6.5M in member deposits serving 1,851 members.
Membership has expanded 26% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 687 credit unions in its $6.4M–$19.1M asset peer group, Valdosta Teachers Federal Credit Union ranks in the 98th percentile for deposit growth. This positions the credit union as a deposit-gathering leader among similarly-sized institutions.
Outlook
With strong deposit momentum, Valdosta Teachers Federal Credit Union appears well-positioned to fund loan growth and maintain competitive member services. Key factors to watch include deposit rate trends, member acquisition costs, and competitive dynamics in the GA market.
Valdosta Teachers Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Valdosta Teachers Federal Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.