Georgia Power Valdosta vs H E A
Comparing a Credit Union in Valdosta, GA with a Credit Union in Warner Robins, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Georgia Power Valdosta ↗ Credit Union · Valdosta, GA · Est. 1958 | H E A ↗ Credit Union · Warner Robins, GA · Est. 1961 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Valdosta, GA | Warner Robins, GA |
| Total assets | $22.9M | $42.0M |
| Net worth ratio | 15.0% | 13.4% |
| Return on assets | 1.2% | 1.5% |
| Shares & deposits | — | — |
| Members | 2,758 | 2,893 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 72 | #4 of 72 |
| Established | 1958 | 1961 |
Georgia Power Valdosta
- Assets: $22.9M
- Members: 2,758
- Capital ratio: 15.0%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 72
H E A
- Assets: $42.0M
- Members: 2,893
- Capital ratio: 13.4%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #4 of 72
Are both institutions federally insured?
Yes. Georgia Power Valdosta is NCUA-insured and H E A 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, Georgia Power Valdosta or H E A?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Georgia Power Valdosta 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 Georgia Power Valdosta safe?
Yes — Georgia Power Valdosta 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 H E A safe?
Yes — H E A 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 Georgia Power Valdosta vs H E A?
Georgia Power Valdosta has a net worth ratio of 15.0%, placing it in the top 45% of <$100M peers. H E A's ratio is 13.4%, placing it in the bottom 44% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Georgia Power Valdosta have compared to H E A?
The CFPB database shows 0 complaints against Georgia Power Valdosta, and 0 complaints against H E A. 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 Georgia Power Valdosta 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.
