H E A vs Flint
Comparing a Credit Union in Warner Robins, GA with a Credit Union in Reynolds, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| H E A ↗ Credit Union · Warner Robins, GA · Est. 1961 | Flint ↗ Credit Union · Reynolds, GA · Est. 1964 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Warner Robins, GA | Reynolds, GA |
| Total assets | $42.0M | $2.9M |
| Net worth ratio | 13.4% | 28.9% |
| Return on assets | 1.5% | 1.8% |
| Shares & deposits | — | — |
| Members | 2,893 | 600 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 72 | #5 of 72 |
| Established | 1961 | 1964 |
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
Flint
- Assets: $2.9M
- Members: 600
- Capital ratio: 28.9%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #5 of 72
Are both institutions federally insured?
Yes. H E A is NCUA-insured and Flint 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, H E A or Flint?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — H E A 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 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 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 Flint safe?
Yes — Flint 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 H E A vs Flint?
H E A has a net worth ratio of 13.4%, placing it in the bottom 44% of <$100M peers. Flint's ratio is 28.9%, placing it in the top 7% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does H E A have compared to Flint?
The CFPB database shows 0 complaints against H E A, and 0 complaints against Flint. 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 H E A 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.
