Warner Robins, Georgia · Peer group 3
H E a Credit Union
H E a Credit Union holds $42.0M in assets across 2,893 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1961. Charter number 14670, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $42.0M |
|---|---|
| Total loans | $20.4M |
| Total shares (deposits) | $36.3M |
| Net worth | $5.6M |
| Members | 2,893 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.9% | |
|---|---|---|
| Loans | -4.6% | around the 37th percentile of its peer group |
| Deposits | 2.4% | around the 57th percentile of its peer group |
| Members | -0.8% | around the 56th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 56.2% | around the 49th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.4% | around the 48th percentile of its peer group |
| Return on assets | 1.53% | around the 87th percentile of its peer group |
| Delinquency ratio | 2.02% | around the 85th percentile of its peer group |
| Cash / assets | 9.6% | around the 41st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is H E a Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Georgia — the comparison set a peer ratio is measured against.
- B.O.N.D. Community Credit Union
Atlanta, GA
$44.1M · 3,803 members
- Savannah Schools Credit Union
SAVANNAH, GA
$44.9M · 4,097 members
- On the Grid Financial Credit Union
Atlanta, GA
$46.3M · 3,930 members
- Faith Connection Credit Union
Marietta, GA
$32.7M · 2,855 members
- Southern Pine Credit Union
Lake Park, GA
$29.8M · 1,235 members
- Artesian Credit Union
Leesburg, GA
$29.5M · 2,975 members
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