H E A
Charter #14670 · WARNER ROBINS, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.56% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.39% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.19% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.02% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.22% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | H E A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.95M | 86th pct | 74th pct |
| Members | 2,893 | 73th pct | 51th pct |
| Net worth ratio | 13.38% | 48th pct | 41th pct |
| Return on average assets | 1.56% | 87th pct | 82th pct |
| Net interest margin | 3.39% | 30th pct | 10th pct |
| Cost of funds | 1.19% | 66th pct | 75th pct |
| Loan-to-share | 56.22% | 49th pct | 46th pct |
| Delinquency 60+ days | 2.02% | 85th pct | 89th pct |
| Net charge-off ratio | 0.29% | 61th pct | 49th pct |
| Loan growth YoY | -1.07% | 61th pct | 64th pct |
| Share growth YoY | 1.69% | 41th pct | 34th pct |
| Efficiency ratio | 58.22% | 9th pct | 10th pct |
structural peer set hash: bda6a8536bd513629d30bbf94b45c15a… (reproducible)
Closest structural peers
This is the free public view
Claim H E A
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.