Flint River Employees Federal Credit Union Oglethorpe, Georgia
Flint River Employees Federal Credit Union is a federal credit union headquartered in Oglethorpe, GA, established in 1982 (NCUA charter 23908), and it is regulated and insured by the NCUA. At Q2 2026 it reported 368 members and total assets of $1.7M (up 4.0% from Q2 2025), the 67th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 38.06% at Q2 2026, in the well capitalized band.
Also written as Flint River Employees 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
- 23908
- Headquarters
- Oglethorpe, GA
- Established
- 1982
- Total assets, Q2 2026
- $1.7M
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 368
- Net worth ratio, Q2 2026
- 38.06%
- Latest call report
- Q2 2026, NCUA 5300 · Flint River Employees Federal Credit Union call report
- Asset rank in state
- 67th of 71 in Georgia
- Routing number
- 061291531
- Branches
- 1
It has 15 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was down 0.03 percentage points from 38.09% on June 30, 2025. Used vehicle loans are its largest loan category, $445K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.22% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 38.06% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Flint River Employees Federal Credit Union
How big is Flint River Employees Federal Credit Union?
At Q2 2026 it reported total assets of $1.7M and 368 members.
Where is Flint River Employees Federal Credit Union headquartered?
It is headquartered in Oglethorpe, GA, United States.
When was Flint River Employees Federal Credit Union founded?
It was established in 1982, per NCUA records.
Is Flint River Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23908): 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 River Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Flint River Employees Federal Credit Union well capitalized?
Its net worth ratio was 38.06% 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 River Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.22% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Flint River Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 106.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oglethorpe, GA 31068
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1982
- NCUA Charter #
- 23908
- RSSD ID
- 806798
- Members
- 368
- Potential members
- 400
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 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 38.06% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.50% | 0.72% | 80th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.94% | 4.74% | 45th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 6.68% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.42% | 79.83% | 53rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.16% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.22% | 0.86% | 83rd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.84% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 106.47% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.7M total assets against $1.7M; $1.1M total shares and deposits against $1.0M; $1.1M total loans against $1.2M.
$654K net worth against $630K.
38.06% net worth ratio against 38.09%.
106.47% loan-to-share ratio against 119.06%.
0.22% delinquency ratio against 0.28%.
1.50% return on assets against -1.23%; 3.94% return on equity against -3.24%.
6.68% net interest margin against 7.06%.
368 members against 383.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 38.06% | 1.50% | 0.22% | 106.47% |
| March 31, 2026 | 36.91% | 0.15% | 0.11% | 106.33% |
| December 31, 2025 | 38.32% | 0.96% | 0.17% | 131.95% |
| September 30, 2025 | 36.62% | 2.35% | 0.40% | 118.31% |
| June 30, 2025 | 38.09% | -1.23% | 0.28% | 119.06% |
| March 31, 2025 | 36.69% | -2.42% | 0.37% | 109.71% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.