Credit union · NCUA insured
HEA Federal Credit Union
A $42M credit union headquartered in Warner Robins, GA, with 2,893 members and 1 branch in Georgia.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HEA Federal Credit Union
HEA Federal Credit Union operates from Warner Robins, Georgia.
- Headquarters
- 121 Osigian Blvd, Warner Robins, GA 31088
- NCUA charter
- 14670
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of Central Georgia Technical College are eligible for membership.
- Students of Central Georgia Technical College are eligible for membership.
- Employees of the Houston County Board of Education are eligible for membership.
- Members of the Parent-Teacher Organizations (PTO's) of most of the schools in Houston County are eligible for membership.
- Active members of the Houston County Retired Teachers Association in Houston County, Georgia are eligible for membership.
- Students of most of the schools in Houston County are eligible for membership.
3 more ways to join
Military, government and schools
- Employees of Middle Georgia Regional Educational Service Agency are eligible for membership.
- Employees of the Peach County Board of Education are eligible for membership.
Family and household
- Immediate family members of anyone in the specified qualifying groups are eligible for membership.
Branches
1 branch in Georgia
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Georgia
1 branch
- Main OfficeMain office121 Osigian Blvd, Warner Robins, GA 31088Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.17% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.64% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio13.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.17%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.64%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of HEA Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.