Federal credit union · WARNER ROBINS, Georgia · NCUA charter #14670
H E a
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $40.8M
- Total assets
- 2,892
- Members
- 13.4%
- Net-worth ratio
H E a scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.8M; members 2,892; net-worth ratio 13.38%; health rank #2,967 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,967 of 4,374 health · 2025Q4H E a · health 78/100 · $40.8M · 2025Q4
- MEM 78/100
- RANK 13.4%
- PHOTO 1.99%
- BOOK 1.48%
- CHARTER $40.8M
- NCUSIF 2,892
- CAMELS #2,967/4,374
- HEALTH River Region
- NW 14670
Call Report peers
H E a in the assets neighbourhood
H E a's $40.8M assets sit next to River Region ($40.7M) 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.
H E a 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
78 31st percentile higher than 31% 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
H E a - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14670: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where H E a diverges from peer averages
- Return on Assets leads the peer set - 1.48% here, 0.70% peer average (+0.78 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.69 pp (58.11% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
H E a: in-state Call Report ranks
- Health composite ranks #49 of 74 among scored Georgia credit unions.
- Georgia assets place: #39 of 74.
- Georgia membership ordinal: #41 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.
H E a Call Report trajectory
H E a: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $40.8M (2025Q4) to $42.0M (2026Q1).
- Net-worth ratio shifted +0.00 pp (13.38% → 13.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.6 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for H E a
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.38% | -1.48 pp |
| Delinquency Rate | 1.99% | +0.84 pp |
| Return on Assets | 1.48% | +0.78 pp |
| Member Growth | -0.28% | - |
| Loan-to-Share Ratio | 58.11% | -1.69 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).
H E a filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.0M | - |
| 2025Q4 | $40.8M | 2,892 |
| 2024Q4 | $38.5M | 2,900 |
| 2023Q4 | $36.6M | 2,916 |
Credit Union Details
- Charter Number
- 14670
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- WARNER ROBINS
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, H E a runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | WARNER ROBINS, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
H E a nationwide neighbourhoods
Cross-state asset and health neighbours for H E a - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- H E a ranks #2,967 of 4,374 nationally on financial health and #49 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- On the Grid Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with On the Grid Financial
- 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 H E a financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - H E a'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 #2,967 of 4,374; by total assets it ranks #2,586 of 4,374 nationally (same basis as /rankings/largest); and #39 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.38% net worth ratio and 1.99% delinquency rate are the key drivers.
How does H E a compare to other credit unions?
Five weighted metrics from NCUA filings produce H E a's 78/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 H E a?
H E a 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 H E a directly for the exact boundaries and application steps.
Is my money safe at H E a?
Federal credit unions like H E a 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. H E a's net worth ratio of 13.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does H E a offer compared to banks?
Credit unions like H E a 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 H E a 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.