H E A Credit Union Profile

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H E A

Charter #14670 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (478) 953-7477

Fax: (478) 953-7277

Founding Date: N/A

Website: http://www.heafcu.org

Personnel & Operations

President: FLESHER, CYNTHIA

Manager: HAMLIN, BRAD

FT Employees: 7

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 1

Hours: 9 TO 5 M-F 9 TO 12 SAT

Credit Union Profile Summary

H E A is a FCU Credit Union. With a total of 2,922 members [1], this institution manages approximately $39,972,922 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.76% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.16% [1].

Financial Snapshot

Total Assets [1]
$39,972,922

Total economic resources.

Total Loans [1]
$21,058,887

Total value of outstanding loans.

Total Deposits [1]
$34,808,648

Total funds deposited by members.

Members [1]
2,922

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.76%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.52%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
60.50%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
6.66%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
3.16%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.24%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

121 OSIGIAN BLVD

WARNER ROBINS, GA, 31088

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by H E A (Charter #14670).

Main Office

MAIN OFFICE Main Office

Type: Corporate Office

121 OSIGIAN BLVD

Warner Robins, GA 31088

Phone: (478) 953-7477

Services: Member Services

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