Headquartered in Warner Robins, Georgia, Combined Employees Credit Union is a federally insured state-chartered credit union with $18.3M in total assets and $16.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1969.
Combined Employees Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 45th. Loan quality contributes the most (98/100, 0.05%); capital cushion contributes the least (34/100, 8.39%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (60 → 66), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 57 |
| Q4 2024 | 59 |
| Q1 2025 | 59 |
| Q2 2025 | 60 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.53% |
| Q3 2024 | 8.56% |
| Q4 2024 | 8.39% |
| Q1 2025 | 8.44% |
| Q2 2025 | 8.39% |
| Q3 2025 | 8.32% |
| Q4 2025 | 8.51% |
| Q1 2026 | 8.43% |
| Q2 2026 | 8.39% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | -0.29% |
| Q4 2024 | -0.09% |
| Q1 2025 | -0.11% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $18.3M | 8.39% | 0.05% | 0.69% | 81.1% |
| Q1 2026 | 67 | $18.0M | 8.43% | 0.06% | 0.88% | 84.1% |
| Q4 2025 | 63 | $17.3M | 8.51% | 0.15% | 0.47% | 86.2% |
| Q3 2025 | 63 | $17.5M | 8.32% | 0.03% | 0.36% | 87.5% |
| Q2 2025 | 60 | $16.7M | 8.39% | 0.05% | 0.10% | 91.4% |
| Q1 2025 | 59 | $16.5M | 8.44% | 0.00% | -0.11% | 87.3% |
| Q4 2024 | 59 | $16.6M | 8.39% | 0.02% | -0.09% | 85.9% |
| Q3 2024 | 57 | $16.3M | 8.56% | 0.01% | -0.29% | 91.5% |
| Q2 2024 | 61 | $16.8M | 8.53% | 0.01% | 0.04% | 85.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |
| The Wright Credit UnionCredit union Toccoa, GA | 84 out of 100, Strong | $16.2M | 17.3% | 0.29% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| Georgia Power Valdosta Federal Credit UnionCredit union Valdosta, GA | 84 out of 100, Strong | $22.9M | 15.2% | 0.69% | vs |
| Glynn County Federal Employees Credit UnionCredit union Brunswick, GA | 62 out of 100, Moderate | $23.0M | 19.2% | 2.54% | vs |
Deposit insurance
Is my money safe at Combined Employees Credit Union?
Yes. Combined Employees Credit Union is a federally insured credit union (NCUA charter #60825). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.1% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.39%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Combined Employees Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Combined Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60825
- RSSD ID
- 252199
- Primary regulator
- State + NCUA
- Established
- 1969
- Headquarters
- 593 Russell Pkwy, Warner Robins, GA 31088
- Employees
- 8
Quick answers
Combined Employees Credit Union: common questions
Is Combined Employees Credit Union NCUA insured?
Yes. Combined Employees Credit Union is a federally insured credit union (NCUA charter #60825). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Combined Employees Credit Union's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Combined Employees Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Warner Robins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Sunmark Community BankBank Perry, GA | 92 out of 100, Very strong | $556.6M | 14.6% | 0.02% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |