# ATLANTA
ATLANTA, GA · NCUA charter 12490 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/atlanta-12490

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 2,241 members of 3,500 potential (64.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.2M |
| Members | 2,241 (-3.5% YoY) |
| Full-time staff | 4 |
| Net worth | $1.8M |
| Net worth ratio | 17.1% (p73 of band) |
| ROA (annualized) | 0.19% (p30 of band) |
| Total delinquency | 0.73% (p48 of band) |
| Net charge-offs (annualized) | 0.22% (p50 of band) |
| Loans / shares | 48% (p34 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.95% (p38 of band) |
| Operating expense / assets | 4.51% (p77 of band) |
| Vehicles % of loans | 46% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.96% (p63 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 7% |
| Average share balance | $2,925 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $5,311 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | members leaving | losing money |
| 2018-09 | 2 | delinquency rising |  |

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

- 2026-05-10 [Georgia's Own Credit Union celebrates Mother's Day with a 450-foot sign atop their building in Downtown Atlanta - 11Alive.com](https://news.google.com/rss/articles/CBMiogJBVV95cUxOT1ItUG1kRzZWVExqcWpJTGlHQVc1MmpyQlRKczRVbkpvc3dhdVI1dDVrYTdfMWpDbVpSZ1BuV01KaVgxRkw4ZDgtV1k0cU14c2RGYXB0VXlPQkt3aWZ5dHU3cFFrVnFsRy1wNS1fQWdNaGZudV9Way1nOGQ4OGJhR2Zrc3RvWThiazNUZmhlWE9OYThVUTlVTTVuci16UGF3RXA1cHlFZnhnelJqWG9famI3c01pLWR5UHRmOGZvR0dyOVAzNkczMFZtYV9ob3B0YUJMZXQtMDZVaDVDRkJCdnNDd2pCQ3lLa0djMlZNbFFSTVIxZEJlQWdFbDNrZmRQOE9TTEJqZFFfcEVxbVA0UGp4Tk52QXl0b1VPaWQwMGRLZw?oc=5) · 11Alive.com
- 2026-04-01 [NC’s Fidelity Bank to get Atlanta foothold with $142.8M Affinity deal - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdlJoSFRJSXpRVk9VTUM2QU5pa2VLdFdvaWY1S25mc0lHQUpNZHA5M2xMODh3VVg4NjZ2WnFLMUc4bHg1Z2xONnZIVVhTSlpIcWJJalAyUHQ1Q2xTbFpPdjZFb2ZkVTB2N2tfNGtyNzhZeE5QblYtckpXenZhZ256Qi0zbWpFbnVEcmVrNTRxQmZuNHJYTmJCcXFLQ3BSNFEtTDRGMkllSTRyejVid2pxT25kcTJkLWo2cDVfSXdjZ0R4b1daLTR1M2ltQ09IX2Roc1RBZw?oc=5) · Banking Dive
- 2026-08-04 [Community partnership helps Boyd Elementary teachers stock classrooms as school begins - CBS News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPTTVTRmVyS1ZwY0c1WFFYZDNYdzFXZm9FOFdCVVZCNzZHdVZfQTZIX3BHZ0VkY3Q5cDVFSDlyQ2RKdVhOUzZlZmQ2N01GTUZrVjN6Nno3cXRyZk0xLTkwdGtwcE1LYzlDcnBkd1JCb2ZMYm9mdS1odkp4a1RqZ0dMWFFKb1Y0Umd4Ukd1bUx5MzdzVkhZeFRNR2ZOZEhXMFdRRzBWQW5WNG5lTzNtU2NtSHNmMGducWgzZEkxbVh5dEpzdw?oc=5) · CBS News
- 2025-08-06 [Hope Credit Union Expands Into Georgia With Merger of Atlanta-Based 1st Choice - CUTimes](https://news.google.com/rss/articles/CBMitAFBVV95cUxOejNtZVlNcmFxTi1sWXJ2TklvbEJjd3N1WWx2VkZ2YXNBQnN2c0s3SHFnUHVMVmhGakJmU2U0Y0hCaFFWS3g1M3RzLW5sbXNNaWRRTTJQdkcxVUJwLVV1bUtNMy0zdVJIMGtSUF8ybDZxMEZiY2RwR3dMZFg5THdGZ2RSM3pzeEREd0tRMVBwR3pVWFZUMVVjVmdlNTkwUW1LekxIMlV4SmV0Uk1NYlkxS2o1R3A?oc=5) · CUTimes
- 2025-04-28 [Best Banks and Credit Unions in Georgia in 2025 - businessinsider.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbDN5eWZzRGJJT0VXZmo0Ukk4c28zRnZCbGp0NUp5MWNHRDVHVHJCSGFQdDRkVzJQWnRkTHc5eWdURHFwNDEtN1MyYXdzaFl0QTdKWi1tS1VWWEo5Rkd0bURXbFRtMTM0YTZPUG9SeENtbTRxZ291cTlvU2NLRTRkaTlIRF9pekJJRTljSllfaXNWSVpJLWg0?oc=5) · businessinsider.com
- 2021-10-27 [Georgia State and Center Parc Credit Union Credit Card Announced - georgiastatesports.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOSDFwc2RKWk80dHhXelU3QTZpQ3lWejY1RXZPb2tmckJkb1VaYmlTU2d6TlQ1THhSVXFzbjdHcWRPc0JFLXYtVWd3MVJyU29DeWdzazhiazZIZk1vWEE0NnVDdzc1aXBEaVE1R3JXTldaLU14M1lYTHNPVV96ZkdPWEQ2Nll4VGEyUVhITldlSkFKMC1TMXExZkE1N2tGN3A1WG5YRUszUlFkRHVEZ3p2MkhERzlXVmk0LXRJQ3NaeVNiMVNM?oc=5) · georgiastatesports.com
- 2024-09-20 [Table of Experts: The future is bright for credit unions - Atlanta Business Chronicle - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObXJCbkFFWDdqTVIyamp5NXFHS3h4Zk1oMEh6eTVreWt4UDFMQVFqNWw0S3E1MDF2TkZ0VFJMMXRhOVcxeWNORkpxd1ZCdU42VDZHVk9oZGl4XzV6M3U5SlBLWXdKZDJBYVczTVE5MW8zdHQwbXBMSVhFakRobjl6bnIwVTN3UlZ5c3NxZDJsRVNsc2Z0cjhwSmpuajhGMmxQeXRfT3FYUzA?oc=5) · The Business Journals
- 2025-03-10 [Credit Union of Georgia launches community foundation - East Cobb News](https://news.google.com/rss/articles/CBMihgFBVV95cUxNOFRlM0M4YzU0bG8wR3VsVzViQTJ4Nkd3d0RJMXN2UGxsekRiLThNeWpUUGRUM3ZWQllGVXNtcHdaY2FVR3hqejBVdG5xeVZmd0k1SU9zeHN3VE1CTHBtR1o1SW40ZVJlMFdabW9JemwwbHRrMXpGa0g4UVVyTVRfNk8xYmFXdw?oc=5) · East Cobb News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12490 (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/10.json (key "12490", 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=12490
- 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.

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