State credit union · WARNER ROBINS, Georgia · NCUA charter #60825
Combined Employees
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $17.3M
- Total assets
- 2,706
- Members
- 8.4%
- Net-worth ratio
Combined Employees scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.3M; members 2,706; net-worth ratio 8.43%; health rank #3,614 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,614 of 4,374 health · 2025Q4Combined Employees · health 70/100 · $17.3M · 2025Q4
Call Report peers
Combined Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Combined Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Combined Employees sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Combined Employees: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 86.17% vs peer 59.80% (+26.37 pp).
- Largest lag: Net Worth Ratio at 8.43% vs peer 14.86% (-6.43 pp).
Combined Employees: in-state Call Report ranks
- Georgia health ordinal: #61 of 74.
- By total assets, Combined Employees is #50 of 74 in Georgia.
- Member book place in Georgia: #44 of 74.
- One place up in Georgia, GEOVISTA (#60) ties at 70/100; one place down, GP (#62) ties at 70/100.
Combined Employees Call Report trajectory
Combined Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $17.3M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.51% → 8.43%).
This credit union's 8.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Combined Employees gives up 30 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Combined Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.43% | -6.43 pp |
| Delinquency Rate | 0.15% | -0.99 pp |
| Return on Assets | -0.08% | -0.79 pp |
| Member Growth | -8.80% | - |
| Loan-to-Share Ratio | 86.17% | +26.37 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Combined Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.0M | - |
| 2025Q4 | $17.3M | 2,706 |
| 2024Q4 | $16.6M | 2,967 |
| 2023Q4 | $15.6M | 3,480 |
Credit Union Details
- Charter Number
- 60825
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- WARNER ROBINS
- Data Quarter
- 2025Q4
Branch Locations (2)
Combined Employees operates 2 offices in Warner Robins, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Combined Employees Credit Union (Main Office) | Warner Robins, GA |
| Combined Employees Credit Union | Warner Robins, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Cross-state Call Report peers for Combined Employees
Similar total assets
Using this data
- Combined Employees ranks #3,614 of 4,374 nationally on financial health and #61 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Wright is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Wright
Frequently Asked Questions
Is Combined Employees financially healthy?
Combined Employees has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,614 of 4,374 nationally on health and #61 of 74 in Georgia. Its net worth ratio is 8.43% and its delinquency rate 0.15%.
How does Combined Employees compare to other credit unions?
Combined Employees scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.17% vs 59.80%). Its widest shortfall is net worth ratio (8.43% vs 14.86%).
How can I join Combined Employees?
Membership eligibility for Combined Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Combined Employees directly for current membership requirements and application steps.
Is my money safe at Combined Employees?
Combined Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Combined Employees's net worth ratio of 8.43% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.