Federal credit union · Oglethorpe, Georgia · NCUA charter #23908
Flint River Employees
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $1.7M
- Total assets
- 368
- Members
- 36.9%
- Net-worth ratio
Flint River Employees scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 368; net-worth ratio 36.91%; health rank #3,499 of 4,374; healthier than 18th of scored peers.
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NCUA 5300 Call Report Masthead
#3,499 of 4,374 health · 2025Q4Flint River Employees · health 71/100 · $1.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Flint River Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Flint River Employees sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Flint River Employees
- Loan-to-Share Ratio leads the peer set - 131.95% here, 52.70% peer average (+79.25 pp).
Georgia standing for Flint River Employees
- In Georgia, health place is #58 of 74 on the same NCUA-ratio sort used nationally.
- Georgia assets place: #70 of 74.
- Membership ranks #70 of 74 among Georgia CUs with a reported count (368 members).
- One place up in Georgia, Brosnan Yard (#57) scores 73/100, 2 points higher; one place down, Macon-Bibb Employees Credit Union (#59) scores 70/100, 1 point lower.
Quarter path for Flint River Employees
Flint River Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $1.7M (2025Q4) to $1.8M (2026Q1).
- Net-worth ratio shifted -1.41 pp (38.32% → 36.91%).
36.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Flint River Employees gives up 29 points in total. Loan-to-Share Ratio costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 0.3 pts
Call Report ratios for Flint River Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.91% | +13.98 pp |
| Delinquency Rate | 0.17% | -4.31 pp |
| Return on Assets | 0.33% | +0.10 pp |
| Member Growth | -3.16% | - |
| Loan-to-Share Ratio | 131.95% | +79.25 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Flint River Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.8M | - |
| 2025Q4 | $1.7M | 368 |
| 2024Q4 | $1.7M | 380 |
| 2023Q4 | $1.6M | 378 |
Credit Union Details
- Charter Number
- 23908
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Georgia
- City
- Oglethorpe
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Flint River Employees runs one office.
| Office | City |
|---|---|
| Flint River Employees Federal Credit Union (Main Office) | Oglethorpe, 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.
Flint River Employees nationwide neighbourhoods
Similar health score
Using this data
- Flint River Employees ranks #3,499 of 4,374 nationally on financial health and #58 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Berrien Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Berrien Teachers
Frequently Asked Questions
Is Flint River Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Flint River Employees scores 71/100 (Very Good), with a 36.91% net worth ratio and 0.17% of loans delinquent. It ranks #3,499 of 4,374 nationally on health and #58 of 74 in Georgia.
How does Flint River Employees compare to other credit unions?
Flint River Employees scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (131.95% vs 52.70%).
How can I join Flint River Employees?
Flint River Employees 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 River Employees directly for the exact boundaries and application steps.
Is my money safe at Flint River Employees?
Flint River Employees 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 River Employees's net worth ratio of 36.91% 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.