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
- CAMELS 70/100
- HEALTH 8.4%
- NW 0.15%
- DELQ -0.08%
- ROA $17.3M
- ASSETS 2,706
- MEM #3,614/4,374
- RANK LION
- PHOTO 60825
Call Report peers
Combined Employees in the assets neighbourhood
Combined Employees's $17.3M assets sit next to LION ($17.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60825: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Combined Employees Call Report trajectory
Combined Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $17.3M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted -0.08 pp (8.51% → 8.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Combined Employees, both outside Georgia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Combined Employees financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Combined Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,614 of 4,374; by total assets it ranks #3,231 of 4,374 nationally (same basis as /rankings/largest); and #50 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.43% net worth ratio and 0.15% delinquency rate are the key drivers.
How does Combined Employees compare to other credit unions?
70/100 is Combined Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Combined Employees are 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."
What rates does Combined Employees offer compared to banks?
Credit unions like Combined Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Combined Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.