Federal credit union · Reynolds, Georgia · NCUA charter #16085
FLINT
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $2.9M
- Total assets
- 596
- Members
- 28.9%
- Net-worth ratio
FLINT scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 596; net-worth ratio 28.86%; health rank #1,542 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,542 of 4,374 health · 2025Q4FLINT · health 87/100 · $2.9M · 2025Q4
- PHOTO 87/100
- BOOK 28.9%
- CHARTER 0.00%
- NCUSIF 1.96%
- CAMELS $2.9M
- HEALTH 596
- NW #1,542/4,374
- DELQ n/a
- ROA 16085
Call Report peers
FLINT carries $2.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FLINT 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
87 Top 40% higher than 60% 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
FLINT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16085. See our deposit-insurance coverage note.
Peer-gap read for FLINT
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +9.80 pp (28.86% vs 19.06%).
- Largest lag: Loan-to-Share Ratio at 58.64% vs peer 63.60% (-4.96 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Georgia standing for FLINT
- Georgia health ordinal: #28 of 74.
- By total assets, FLINT is #69 of 74 in Georgia.
- Georgia membership ordinal: #67 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.
Quarter path for FLINT
FLINT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $2.9M (2025Q4) to $2.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (28.79% → 28.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 28.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 12.4 pts
Call Report ratios for FLINT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.86% | +9.80 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.96% | +1.50 pp |
| Member Growth | -2.45% | - |
| Loan-to-Share Ratio | 58.64% | -4.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
FLINT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.9M | - |
| 2025Q4 | $2.9M | 596 |
| 2024Q4 | $2.8M | 611 |
| 2023Q4 | $2.9M | 619 |
Credit Union Details
- Charter Number
- 16085
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Reynolds
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, FLINT runs 2 offices.
| Office | City |
|---|---|
| Flint Federal Credit Union (Main Office) | Reynolds, GA |
| Flint EMC Reynolds | Reynolds, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
FLINT nationwide neighbourhoods
FLINT's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- FLINT ranks #1,542 of 4,374 nationally on financial health and #28 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Macon-Bibb Employees Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Macon-Bibb Employees Credit Union
- 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 FLINT financially healthy?
FLINT scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,542 of 4,374; by total assets it ranks #4,057 of 4,374 nationally (same basis as /rankings/largest); and #69 of 74 within Georgia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 28.86% net worth ratio and a 0.00% delinquency rate.
How does FLINT compare to other credit unions?
On PlainCU's health composite, FLINT lands at 87/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 FLINT?
FLINT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact FLINT directly for the exact boundaries and application steps.
Is my money safe at FLINT?
Federal credit unions like FLINT 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. FLINT's net worth ratio of 28.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FLINT offer compared to banks?
Credit unions like FLINT 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 FLINT 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.