H E A Federal Credit Union

Overview / Commentary
121 Osigian Blvd
Warner Robins, GA 31088

H E A Federal Credit Union is headquartered in WARNER ROBINS and is the 48th largest credit union in the state of Georgia. It is also the 2,951st largest credit union in the nation. It was established in 1961 and as of September of 2019, it had grown to 7 employees and 3,140 members at 1 location. H E A Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Houston County Board of Education, the Peach County Board of Education, Middle Georgia Regional Educational Service Agency, employees and students of Central Georgia Technical College, students of most schools in Houston County, Active members of the Houston County Retired Teachers Association, and members of the Parent-Teacher Organizations of most of the schools in Houston County.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. H E A Federal Credit Union has a low asset base.

Health Grade Components

NCUA #14670
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD8.42%
Annual Interest Income$750.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$28.3MM$27.7MM
LoansQ3 2019vs Q3 2018$14.9MM$13.9MM
DepositsQ3 2019vs Q3 2018$25.0MM$24.6MM
Equity CapitalQ3 2019vs Q3 2018$3.0MM$2.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$72.00K$95.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$58.00K$86.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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H E A Federal Credit Union CD Rates

2.02%$1k-4 Year CD
1.05%$1k-5 Year CD
0.75%$1k-3 Year CD
0.60%$1k-2 Year CD
0.50%$1k-1 Year CD
0.40%$1k-6 Month CD

H E A Federal Credit Union Locations

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