Federal credit union · Oglethorpe, Georgia · NCUA charter #23908
Flint River Employees
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $1.7M
- Total assets
- 368
- Members
- 38.3%
- Net-worth ratio
Flint River Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23908: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Flint River Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)83
- Member growth22
- Liquidity (loan-to-share)0
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
38.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 38.32% | 30% |
| Delinquency Rate | 0.17% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | -3.16% | 15% |
| Loan-to-Share Ratio | 131.95% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Flint River Employees
368 members and $1.7M in total assets sit behind Flint River Employees, a federal credit union in Oglethorpe, Georgia, which posts a health score of 71/100 (Very Good) on the five-factor composite, with $1.3M in outstanding loans as of Q4 2025 and a net worth ratio of 38.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #23908 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 131.95% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.17% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.33% on net income of $5K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.16%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Flint River Employees financially healthy?
A 38.32% net worth ratio and a 0.17% delinquency rate feed into Flint River Employees's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Flint River Employees compare to other credit unions?
On PlainCU's health composite, Flint River Employees lands at 71/100, compared to a peer group average for Under $2M 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 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?
Federal credit unions like Flint River 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. Flint River Employees's net worth ratio of 38.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Flint River Employees offer compared to banks?
Credit unions like Flint River 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 Flint River Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.