Flint Federal Credit Union Reynolds, Georgia
Flint Federal Credit Union is a federal credit union headquartered in Reynolds, GA, established in 1964 (NCUA charter 16085), and it is regulated and insured by the NCUA. At Q2 2026 it reported 606 members and total assets of $2.9M (down 1.5% from Q2 2025), the 65th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 30.01% at Q2 2026, in the well capitalized band.
Also written as Flint FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 16085
- Headquarters
- Reynolds, GA
- Established
- 1964
- Total assets, Q2 2026
- $2.9M
- Assets vs Q2 2025
- -1.5%
- Members, Q2 2026
- 606
- Net worth ratio, Q2 2026
- 30.01%
- Latest call report
- Q2 2026, NCUA 5300 · Flint Federal Credit Union call report
- Asset rank in state
- 65th of 71 in Georgia
- Routing number
- 261272376
- Branches
- 2
It has 6 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was up 2.03 percentage points from 27.98% on June 30, 2025. Used vehicle loans are its largest loan category, $658K of $1.1M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Georgia
Frequently asked about Flint Federal Credit Union
How big is Flint Federal Credit Union?
At Q2 2026 it reported total assets of $2.9M and 606 members.
Where is Flint Federal Credit Union headquartered?
It is headquartered in Reynolds, GA, United States.
When was Flint Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is Flint Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16085): 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 Flint Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Flint Federal Credit Union well capitalized?
Its net worth ratio was 30.01% 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 Flint Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.30% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Reynolds, GA 31076
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16085
- RSSD ID
- 381286
- Members
- 606
- Potential members
- 725
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 4 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 30.01% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.85% | 0.72% | 90th top |
| 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% | 4.51% | 3.93% | 74th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 59.41% | 79.83% | 87th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.35% | 0.78% | 77th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.86% | 4.70% | 56th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.30% | 58.92% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.9M total assets against $2.9M; $2.0M total shares and deposits against $2.1M; $1.1M total loans against $1.2M.
$862K net worth against $816K.
30.01% net worth ratio against 27.98%.
56.30% loan-to-share ratio against 56.10%.
1.85% return on assets against 2.13%; 6.18% return on equity against 7.63%.
4.51% net interest margin against 4.69%.
606 members against 612.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 30.01% | 1.85% | — | 56.30% |
| March 31, 2026 | 28.86% | 1.76% | — | 54.78% |
| December 31, 2025 | 28.79% | 0.54% | — | 58.64% |
| September 30, 2025 | 27.87% | 2.07% | — | 56.53% |
| June 30, 2025 | 27.98% | 2.13% | — | 56.10% |
| March 31, 2025 | 27.52% | 2.17% | — | 48.92% |
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.