Hea Federal Credit Union Warner Robins, Georgia
Hea Federal Credit Union is a federal credit union headquartered in Warner Robins, GA, established in 1961 (NCUA charter 14670), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,893 members and total assets of $42.9M (up 7.3% from Q2 2025), the 37th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 13.51% at Q2 2026, in the well capitalized band.
Also written as Hea FCU
BankRegReports is independent of Hea Federal Credit Union and never asks for online banking logins or passwords.
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
- 14670
- Headquarters
- Warner Robins, GA
- Established
- 1961
- Total assets, Q2 2026
- $42.9M
- Assets vs Q2 2025
- +7.3%
- Members, Q2 2026
- 2,893
- Net worth ratio, Q2 2026
- 13.51%
- Latest call report
- Q2 2026, NCUA 5300 · Hea Federal Credit Union call report
- Asset rank in state
- 37th of 71 in Georgia
- Routing number
- 261172748
- Branches
- 1
It has 29 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was up 0.75 percentage points from 12.76% on June 30, 2025. Used vehicle loans are its largest loan category, $12.7M of $19.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.17% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.51% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Hea Federal Credit Union
How big is Hea Federal Credit Union?
At Q2 2026 it reported total assets of $42.9M and 2,893 members.
Where is Hea Federal Credit Union headquartered?
It is headquartered in Warner Robins, GA, United States.
When was Hea Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Hea Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14670): 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 Hea Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Hea Federal Credit Union well capitalized?
Its net worth ratio was 13.51% 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 Hea Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Hea Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 53.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Warner Robins, GA 31088
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14670
- RSSD ID
- 725684
- Members
- 2,893
- Potential members
- 15,585
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 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.51% | 14.31% | 44th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.70% | 0.72% | 85th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 12.56% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.44% | 3.93% | 30th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 54.92% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.99% | 0.78% | 39th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.17% | 0.86% | 23rd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.42% | 4.70% | 36th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 53.66% | 58.92% | 42nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$42.9M total assets against $40.0M; $37.1M total shares and deposits against $34.8M; $19.9M total loans against $21.1M.
$5.8M net worth against $5.1M.
13.51% net worth ratio against 12.76%.
53.66% loan-to-share ratio against 60.50%.
2.17% delinquency ratio against 0.85%.
1.70% return on assets against 1.86%; 12.56% return on equity against 14.54%.
3.44% net interest margin against 3.62%.
2,893 members against 2,922.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.51% | 1.70% | 2.17% | 53.66% |
| March 31, 2026 | 13.38% | 1.53% | 2.02% | 56.22% |
| December 31, 2025 | 13.38% | 1.83% | 1.99% | 58.11% |
| September 30, 2025 | 12.86% | 1.61% | 1.98% | 57.80% |
| June 30, 2025 | 12.76% | 1.86% | 0.85% | 60.50% |
| March 31, 2025 | 12.17% | 1.11% | 0.64% | 60.35% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.