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
Call Report peers
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
FLINT sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Georgia, LANIER (#27) scores 89/100, 2 points higher; one place down, MERCY (#29) ties at 87/100.
Quarter path for FLINT
FLINT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $2.9M (2025Q4) to $2.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (28.79% → 28.86%).
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
FLINT gives up 13 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is FLINT financially healthy?
On its 2025Q4 NCUA 5300 filing, FLINT scores 87/100 (Excellent), with a 28.86% net worth ratio and 0.00% of loans delinquent. It ranks #1,542 of 4,374 nationally on health and #28 of 74 in Georgia.
How does FLINT compare to other credit unions?
FLINT scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (28.86% vs 19.06%). Its widest shortfall is loan-to-share ratio (58.64% vs 63.60%).
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?
FLINT is a federal 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. FLINT's net worth ratio of 28.86% 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.