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
Call Report peers
H E a in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); H E a sits in 75-79 with 502 others.
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
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%).
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.
- One place up in Georgia, Glynn County Federal Employees (#48) ties at 78/100; one place down, Berrien Teachers (#50) scores 77/100, 1 point lower.
H E a Call Report trajectory
H E a: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $40.8M (2025Q4) to $42.0M (2026Q1).
- Net-worth ratio shifted +0.00 pp (13.38% → 13.38%).
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
H E a gives up 22 points in total. Delinquency Rate costs the most, 12.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is H E a financially healthy?
H E a has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,967 of 4,374 nationally on health and #49 of 74 in Georgia. Its net worth ratio is 13.38% and its delinquency rate 1.99%.
How does H E a compare to other credit unions?
H E a scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.48% vs 0.70%). Its widest shortfall is loan-to-share ratio (58.11% vs 59.80%).
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?
H E a 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. H E a's net worth ratio of 13.38% 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.