Flint vs Excel
Comparing a Credit Union in Reynolds, GA with a Credit Union in Norcross, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Flint ↗ Credit Union · Reynolds, GA · Est. 1964 | Excel ↗ Credit Union · Norcross, GA · Est. 1952 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Reynolds, GA | Norcross, GA |
| Total assets | $2.9M | $173.2M |
| Net worth ratio | 28.9% | 13.3% |
| Return on assets | 1.8% | 1.1% |
| Shares & deposits | — | — |
| Members | 600 | 10,387 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 72 | #1 of 72 |
| Established | 1964 | 1952 |
Flint
- Assets: $2.9M
- Members: 600
- Capital ratio: 28.9%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #5 of 72
Excel
- Assets: $173.2M
- Members: 10,387
- Capital ratio: 13.3%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 72
Are both institutions federally insured?
Yes. Flint is NCUA-insured and Excel is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Flint or Excel?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Flint scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Flint safe?
Yes — Flint is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Excel safe?
Yes — Excel is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Flint vs Excel?
Flint has a net worth ratio of 28.9%, placing it in the top 7% of <$100M peers. Excel's ratio is 13.3%, placing it in the top 25% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Flint have compared to Excel?
The CFPB database shows 0 complaints against Flint, and 0 complaints against Excel. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Flint with other Credit Unions in Georgia
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
