# H E A
WARNER ROBINS, GA · NCUA charter 14670 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/h-e-a-14670

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 2,893 members of 15,585 potential (18.6% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $42.0M |
| Members | 2,893 (-0.8% YoY) |
| Full-time staff | 7 |
| Net worth | $5.6M |
| Net worth ratio | 13.4% (p40 of band) |
| ROA (annualized) | 1.53% (p86 of band) |
| Total delinquency | 2.02% (p78 of band) |
| Net charge-offs (annualized) | 0.29% (p68 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 49.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.34% (p29 of band) |
| Operating expense / assets | 2.14% (p13 of band) |
| Vehicles % of loans | 87% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.84% (p61 of band) |
| Vehicle NCO | 0.32% (p77 of band) |
| Repossessed % of vehicle book | 0.14% (p93 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 24% |
| Average share balance | $8,392 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,680 |
| Loans granted, annualized | $8.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | delinquency rising, repo signal, members leaving |  |
| 2017-06 | 4 | net worth falling | repo signal |
| 2017-09 | 2 |  | delinquency rising, net worth falling |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 1 |  | repo signal, delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-06-23 [Lynda Lambert Sanders Obituary Jun 23, 2021 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9kd0s0bk5YVi1iYmJqb2RBZnYxNDVObU1BS1c0OWJocWhTR2ZfNFByWTQ4cjhob2xPVmdNd1F5d01pT0lNUHFtUzJkVmFYZE96Zkd4Rk5UNUdqSGhBVmpsS3dlcXY1Y01hcXFiNFhn?oc=5) · McCullough Funeral Home
- 2015-06-03 [Houston County school system honors retirees - Macon Telegraph](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZTlndHFhWnQ2dGFXU1dzU0oxRGluM1VDTnRhN0g3MXJ3VWJURmF2WVNyMUZ3c00td2NnUzVqRW1DWU9TQlhSdUZmc2RZaWRoakV1em4tVkdUS21YTE0xQldHRk04LXZQeENZMTJpWUFFNEVIZjQ1dG5ld3d5V0pkS1BoUWtCSFladFlsZDVUNnpFZm5E0gGUAUFVX3lxTE9neXZBdHhrc3dzR3Z4b0pkSFh3bFpIenE1QkFXalBFc2l2R0ZzWW5hWWtrYl9WRVVVRFlaZXQ5VFFILXRjNUg2MXlRcWFqajhfeU5NWlZhVzRrUHZRckx5SGZ3ZGctdlpJcThIOHFnUmRobFo1S1ZNM3VQNWFuU2RZcmhXcFgtT1BkWFhoYkI4YTdYSkQ?oc=5) · Macon Telegraph
- 2024-12-18 [William Wallace "Wally" Bassett Obituary Dec 18, 2024 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFAwQnktUFZRRC03cG0xTUZDSTA3WVVHTmpIOWl0UFZkb2JXYXpBbkQ3eW5oT1h3YnhLSk5kUlUxR2FacHlvV1paOVFsb09FdE1GbmY4Z3NlNW9pQWZESk13ekNKT1I5Zw?oc=5) · McCullough Funeral Home
- 2015-10-28 [Margaret Heck Obituary (1927 - 2015) - Warner Robins, GA - The Telegraph - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeTZkei1qaGxOUHRUTGxxOEIzVVM3Y2loaFhXSlkxSVU1dnlhNEZxTnVkTFBrOHBnUHZBR1BpYUtQNlEtSzIyTzlEOFRnUThZbGhhWk9KQUVFRmlWUS1MTkM4QWxYMmFGbEE5Y1NXUXNub2c3ZWNMay1TSXdyeTE2YUxCcUpPZVA3ZGc?oc=5) · Legacy obituary
- 2024-05-12 [Gerald Ray Horne Obituary Jan 4, 2014 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE43c0VoSlItc3pTc18tS2diRnZWY2o3SmhSVktVRHg5UjhvM29pYXNQbjBsZXRVa1lvNkdfemZfQS1TU24yTHBhbkhNdEdrNElCSldBVEk3eTVmRXp2SUZ6QUVBY2M1V1k?oc=5) · McCullough Funeral Home
- 2015-04-12 [Deborah Ann Blount Obituary Apr 12, 2015 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE00aWlwZWVPa09YY2t2YldjOWU0b0NSMWdDM0p1cG0wLXM4WUdvSElOaG1kNWRhcWhZUHVxX19zLW5zaEM4V1BEMm5HZTRLaU9ubHliYTJRZ0pUb19NZWRaZWJYRkhPdzVNYnc?oc=5) · McCullough Funeral Home
- 2004-11-01 [Joseph Thomas Sumrall Obituary Nov 1, 2004 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE5PTjU3bWFVNVMyRjlfS2FVRDVjR0UzQnFHdFJ2X1NNY1FURGIyNnQxNl9Ob2dHelR2SDdpRjAybmJ4VWpmRjBTc1ZhTWVHck9SUWVoZmNCclJzdnJKYV9QTERtczJEM19zXy1nQm13?oc=5) · McCullough Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14670 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "14670", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=14670
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide