Valdosta Teachers Federal Credit Union (12290), a $12.8M credit union headquartered in Valdosta, GA, led by CEO Houston, reported 2,335 members at the end of 2025 Q3, an increase of 23 members (+1.0%) compared to the same quarter last year.
Stable membership suggests mature market positioning with focus on deepening existing relationships rather than aggressive acquisition.
Per-Member Economics
Valdosta Teachers Federal Credit Union's 2,335 members maintain an average of $5K in deposits and $3K in loans. Per-member balances growing faster than membership indicates deepening wallet share—a positive sign for member engagement.
Membership Trends
Membership levels have stabilized, suggesting the credit union has reached a steady state within its field of membership.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 2,312 | $5K | |
| 2024 Q3 | 2,312 | +0.0% | $5K |
| 2024 Q4 | 2,323 | +0.5% | $5K |
| 2025 Q1 | 2,326 | +0.1% | $5K |
| 2025 Q2 | 2,346 | +0.9% | $5K |
| 2025 Q3 | 2,335 | -0.5% | $5K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Valdosta Teachers Federal Credit Union has a defined field of membership comprising 19,017 potential members. With 2,335 current members, the credit union achieves a 12.3% penetration rate, representing notable untapped growth potential.
Historical Context: Since the 2008 Crisis
Valdosta Teachers Federal Credit Union's membership has grown 26% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 1,851 members.
This growth trajectory demonstrates steady member acquisition through multiple economic cycles.
Peer Comparison
Among 687 credit unions in its $6.4M–$19.1M asset peer group, Valdosta Teachers Federal Credit Union ranks in the 78th percentile for membership growth. This positions the credit union as a member acquisition leader among similarly-sized institutions.
Outlook
Valdosta Teachers Federal Credit Union's membership trajectory will depend on its ability to differentiate through service quality, digital capabilities, and community engagement in an increasingly competitive landscape.
Valdosta Teachers Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
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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. Per-member metrics calculated by dividing totals by member count.