Flint River Employees Federal Credit Union is a federal credit union headquartered in Oglethorpe, Georgia, in business for about 44 years. At the end of Q2 2026 it reported $1.7M in total assets and $1.1M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Flint River Employees Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 20th. Its strongest component is capital cushion (100/100; 38.06%), and its lowest is earnings (53/100; 0.83%).
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 12 points (70 → 82), mostly because the earnings component improved by 53 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 94 |
| Q4 2024 | 79 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 70 |
| Q4 2025 | 74 |
| Q1 2026 | 77 |
| Q2 2026 | 82 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 38.16% |
| Q3 2024 | 31.61% |
| Q4 2024 | 38.51% |
| Q1 2025 | 36.69% |
| Q2 2025 | 38.09% |
| Q3 2025 | 36.62% |
| Q4 2025 | 38.32% |
| Q1 2026 | 36.91% |
| Q2 2026 | 38.06% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.22% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -2.91% |
| Q3 2024 | 5.59% |
| Q4 2024 | 0.33% |
| Q1 2025 | -2.42% |
| Q2 2025 | -1.88% |
| Q3 2025 | -0.41% |
| Q4 2025 | -0.08% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $1.7M | 38.06% | 0.22% | 0.83% | 106.5% |
| Q1 2026 | 77 | $1.8M | 36.91% | 0.11% | 0.15% | 106.3% |
| Q4 2025 | 74 | $1.7M | 38.32% | 0.17% | -0.08% | 131.9% |
| Q3 2025 | 70 | $1.7M | 36.62% | 0.40% | -0.41% | 118.3% |
| Q2 2025 | 70 | $1.7M | 38.09% | 0.28% | -1.88% | 119.1% |
| Q1 2025 | 70 | $1.7M | 36.69% | 0.37% | -2.42% | 109.7% |
| Q4 2024 | 79 | $1.7M | 38.51% | 0.00% | 0.33% | 124.4% |
| Q3 2024 | 94 | $1.7M | 31.61% | 0.00% | 5.59% | 103.0% |
| Q2 2024 | 64 | $1.6M | 38.16% | 1.06% | -2.91% | 109.1% |
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 |
|---|---|---|---|---|---|
| Berrien Teachers Federal Credit UnionCredit union Nashville, GA | 60 out of 100, Moderate | $1.4M | 18.8% | 7.51% | vs |
| Macon-Bibb Employees Credit UnionCredit union Macon, GA | 63 out of 100, Moderate | $2.7M | 10.8% | 0.45% | vs |
| Harris Employees Credit UnionCredit union Cordele, GA | 53 out of 100, Below average | $626K | 34.3% | 3.95% | vs |
| Flint Federal Credit UnionCredit union Reynolds, GA | 99 out of 100, Very strong | $2.9M | 30.0% | 0.00% | vs |
| F a B Church Federal Credit UnionCredit union Savannah, GA | 63 out of 100, Moderate | $488K | 14.8% | 13.99% | vs |
| United Neighborhood Federal Credit UnionCredit union Augusta, GA | 51 out of 100, Below average | $3.0M | 8.5% | 0.98% | vs |
Deposit insurance
Is my money safe at Flint River Employees Federal Credit Union?
Yes. Flint River Employees Federal Credit Union is a federally insured credit union (NCUA charter #23908). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 38.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Flint River Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Oglethorpe, GA (1)
Identity & history
Profile
- Legal name
- Flint River Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23908
- RSSD ID
- 806798
- Primary regulator
- NCUA
- Established
- 1982
- Headquarters
- 2449 Stagecoach Road, P.O. Box 238, Oglethorpe, GA 31068
- Employees
- 2
Quick answers
Flint River Employees Federal Credit Union: common questions
Is Flint River Employees Federal Credit Union NCUA insured?
Yes. Flint River Employees Federal Credit Union is a federally insured credit union (NCUA charter #23908). 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 Flint River Employees Federal Credit Union's TellerScore?
82 out of 100 (Strong), 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 Flint River Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Oglethorpe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Flint Federal Credit UnionCredit union Reynolds, GA | 99 out of 100, Very strong | $2.9M | 30.0% | 0.00% | 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 |
| South Georgia Banking CompanyBank Omega, GA | 85 out of 100, Very strong | $570.1M | 13.9% | 0.55% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |