H E a Federal Credit Union is a federal credit union headquartered in Warner Robins, Georgia, in business for about 65 years. At the end of Q2 2026 it reported $42.9M in total assets and $37.1M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, H E a Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 31st. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 4% uninsured), and its lowest is loan quality (28/100; 2.17%).
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 fell 9 points (82 → 73), mostly because the loan quality component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 86 |
| Q4 2024 | 82 |
| Q1 2025 | 79 |
| Q2 2025 | 82 |
| Q3 2025 | 72 |
| Q4 2025 | 74 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.09% |
| Q3 2024 | 12.15% |
| Q4 2024 | 12.49% |
| Q1 2025 | 12.17% |
| Q2 2025 | 12.76% |
| Q3 2025 | 12.86% |
| Q4 2025 | 13.38% |
| Q1 2026 | 13.38% |
| Q2 2026 | 13.51% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.85% |
| Q3 2025 | 1.98% |
| Q4 2025 | 1.99% |
| Q1 2026 | 2.02% |
| Q2 2026 | 2.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.62% |
| Q4 2024 | 1.57% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $42.9M | 13.51% | 2.17% | 1.60% | 53.7% |
| Q1 2026 | 73 | $42.0M | 13.38% | 2.02% | 1.53% | 56.2% |
| Q4 2025 | 74 | $40.8M | 13.38% | 1.99% | 1.59% | 58.1% |
| Q3 2025 | 72 | $41.0M | 12.86% | 1.98% | 1.51% | 57.8% |
| Q2 2025 | 82 | $40.0M | 12.76% | 0.85% | 1.49% | 60.5% |
| Q1 2025 | 79 | $40.4M | 12.17% | 0.64% | 1.11% | 60.4% |
| Q4 2024 | 82 | $38.5M | 12.49% | 0.69% | 1.57% | 62.2% |
| Q3 2024 | 86 | $38.4M | 12.15% | 0.31% | 1.62% | 60.6% |
| Q2 2024 | 82 | $37.5M | 12.09% | 0.81% | 1.76% | 62.1% |
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 |
|---|---|---|---|---|---|
| B.O.N.D. Community Federal Credit UnionCredit union Atlanta, GA | 33 out of 100, Low | $44.1M | 10.9% | 3.63% | vs |
| On the Grid Financial Federal Credit UnionCredit union Atlanta, GA | 77 out of 100, Strong | $45.3M | 13.9% | 0.37% | vs |
| Savannah Schools Federal Credit UnionCredit union Savannah, GA | 61 out of 100, Moderate | $45.4M | 11.3% | 1.29% | vs |
| Faith Connection Federal Credit UnionCredit union Marietta, GA | 55 out of 100, Moderate | $32.4M | 10.3% | 1.31% | vs |
| Artesian Federal Credit UnionCredit union Leesburg, GA | 48 out of 100, Below average | $29.1M | 10.3% | 1.55% | vs |
| Coweta Cities & County Employees Federal Credit UnionCredit union Newnan, GA | 96 out of 100, Very strong | $28.1M | 20.4% | 0.00% | vs |
Deposit insurance
Is my money safe at H E a Federal Credit Union?
Yes. H E a Federal Credit Union is a federally insured credit union (NCUA charter #14670). 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 4.3% of shares and deposits ($1.6M) 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 13.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
H E a Federal Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- H E a Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14670
- RSSD ID
- 725684
- Primary regulator
- NCUA
- Established
- 1961
- Headquarters
- 121 Osigian Blvd, Warner Robins, GA 31088
- Employees
- 7
Quick answers
H E a Federal Credit Union: common questions
Is H E a Federal Credit Union NCUA insured?
Yes. H E a Federal Credit Union is a federally insured credit union (NCUA charter #14670). 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 H E a Federal Credit Union's TellerScore?
73 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 H E a Federal 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 |