Combined Employees Credit Union Warner Robins, Georgia
Combined Employees Credit Union is a state-chartered credit union headquartered in Warner Robins, GA, established in 1969 (NCUA charter 60825), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,618 members and total assets of $18.3M (up 9.4% from Q2 2025), the 48th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 8.39% at Q2 2026, in the well capitalized band.
Also written as Combined Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60825
- Headquarters
- Warner Robins, GA
- Established
- 1969
- Total assets, Q2 2026
- $18.3M
- Assets vs Q2 2025
- +9.4%
- Members, Q2 2026
- 2,618
- Net worth ratio, Q2 2026
- 8.39%
- Latest call report
- Q2 2026, NCUA 5300 · Combined Employees Credit Union call report
- Asset rank in state
- 48th of 71 in Georgia
- Routing number
- 261173433
- Branches
- 2
It has 75 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was unchanged from June 30, 2025. Used vehicle loans are its largest loan category, $7.9M of $13.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.05% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 8.39% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Combined Employees Credit Union
How big is Combined Employees Credit Union?
At Q2 2026 it reported total assets of $18.3M and 2,618 members.
Where is Combined Employees Credit Union headquartered?
It is headquartered in Warner Robins, GA, United States.
When was Combined Employees Credit Union founded?
It was established in 1969, per NCUA records.
Is Combined Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60825): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Combined Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Combined Employees Credit Union well capitalized?
Its net worth ratio was 8.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Combined Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.05% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Combined Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.08% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Warner Robins, GA 31088
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1969
- NCUA Charter #
- 60825
- RSSD ID
- 252199
- Members
- 2,618
- Potential members
- 178,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.39% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.52% | 0.72% | 41st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.18% | 4.74% | 59th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.28% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.73% | 79.83% | 46th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.66% | 0.78% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.05% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.93% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 81.08% | 58.92% | 81st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$18.3M total assets against $16.7M; $16.6M total shares and deposits against $15.3M; $13.5M total loans against $14.0M.
$1.5M net worth against $1.4M.
8.39% net worth ratio against 8.39%.
81.08% loan-to-share ratio against 91.40%.
0.05% delinquency ratio against 0.05%.
0.52% return on assets against 0.31%; 6.18% return on equity against 3.73%.
5.28% net interest margin against 5.48%.
2,618 members against 2,693.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.39% | 0.52% | 0.05% | 81.08% |
| March 31, 2026 | 8.43% | 0.88% | 0.06% | 84.10% |
| December 31, 2025 | 8.51% | 0.78% | 0.15% | 86.17% |
| September 30, 2025 | 8.32% | 0.89% | 0.03% | 87.49% |
| June 30, 2025 | 8.39% | 0.31% | 0.05% | 91.40% |
| March 31, 2025 | 8.44% | -0.11% | 0.00% | 87.26% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.