# CLARKE COMMUNITY
Grove Hill, AL · NCUA charter 13018 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/clarke-community-13018

Who the members are: federal charter, community charter, organized 1959, low-income designated, minority depository institution. 708 members of 24,000 potential (3.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.8M |
| Members | 708 (0.4% YoY) |
| Full-time staff | 1 |
| Net worth | $646,535 |
| Net worth ratio | 22.9% (p89 of band) |
| ROA (annualized) | -0.37% (p15 of band) |
| Total delinquency | 0.84% (p61 of band) |
| Net charge-offs (annualized) | 1.89% (p96 of band) |
| Loans / shares | 57% (p55 of band) |
| Cash / assets | 55.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p86 of band) |
| Operating expense / assets | 5.22% (p91 of band) |
| Vehicles % of loans | 50% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 1.87% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 41% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,229 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 58% |
| Average loan balance | $2,945 |
| Loans granted, annualized | $465,592 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 5 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2017-09 | 5 | assets shrinking | net worth falling |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 | members leaving | charge-offs p90, losing money |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 5 | losing money, expense trap, loans>95% of shares |  |
| 2019-03 | 3 |  | losing money, loans>95% of shares |
| 2019-06 | 7 | net worth falling, losing money, charge-offs p90, loan book shrinking |  |
| 2019-09 | 5 |  | members leaving, net worth falling |
| 2019-12 | 4 | loans>95% of shares | charge-offs p90, loan book shrinking |
| 2020-03 | 5 | delinquency rising, charge-offs p90 | loans>95% of shares |
| 2020-06 | 5 | net worth falling | delinquency rising |
| 2020-09 | 7 | margin squeeze, delinquency 2x band, delinquency rising | assets shrinking |
| 2020-12 | 6 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2021-03 | 5 |  | charge-offs p90 |
| 2021-06 | 8 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2021-09 | 6 |  | expense trap, delinquency rising |
| 2021-12 | 5 | delinquency rising | net worth falling, loan book shrinking |
| 2022-03 | 5 | expense trap | charge-offs p90 |
| 2022-06 | 5 | assets shrinking | margin squeeze |
| 2022-09 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising, expense trap |
| 2022-12 | 5 | expense trap, loan book shrinking |  |

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

- 2023-08-14 [Jane King Obituary - Athens, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE50ZEdmS0YyeFBET1VQMjBPWlVPQkl6V2o4eTJHZ1c3bUpkbVNfWFBLeG5DNEY2MDhZX3NtZktvbzZvX2xPcEMxZEVqWl9WbGk4ZkZnSUVBSlc5SWZmVG01Tjh5Y3Y1Y1NUU3A5MlhSTFFpTHd1TUVTWFI2TQ?oc=5) · Dignity Memorial
- 2026-04-06 [Linda S Hamilton Obituary (2026) - Clarke County, IA - Kale Funeral Home - Osceola - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPTm9aZDdxc3VFcTlqeHhXbUxqTUFHMlp1bDEtbGFMZzh6QU0tYnhuYjU3QU1lNUJ6MS11MEpFNVhyOU1CMF9BV24wLThDdl9Sd1VxdmxFZnMwQUhoY28zUWM3UkdnVXBjYXVmTHBLV0hOUFlWR1pSaE03N2NCNkpEM1AyOA?oc=5) · legacy.com
- 2014-03-13 [Unitarian Universalist Fellowship of Athens to celebrate 60th anniversary - Online Athens](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQX29mUDRBTUdQbkJ1bGh0cUw4SXBEcm1sczBocFZHZG1BdjhkUm91ZGF1UnN0OEdXOGFXZC1NSDZOclBkVXNGdzVpcjEtczItM0FKRXQyem5JVHR5TXNwSkYzcXYtb2JNZU0xSzRzLXhTTU5ES0dXcG1fNDVWTEpqcTJJXzBGbU95a0FHY29JbnVwb2V2UWwyWWNGQXpkU2ZBczY3T1d6RFpnY09xNkFIenlyaVFnNnFJTTA0NzhaT0JwaTVXV0k0TzhoU2VVTEJuUUlRTkdSVHhodw?oc=5) · Online Athens

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13018 (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/26.json (key "13018", 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=13018
- 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