# ROSE CITY
THOMASVILLE, GA · NCUA charter 13352 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/rose-city-13352

Who the members are: federal charter, community charter, organized 1959. 7,190 members of 109,472 potential (6.6% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. 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 | $32.7M |
| Members | 7,190 (-7.3% YoY) |
| Full-time staff | 13 |
| Net worth | $2.7M |
| Net worth ratio | 8.2% (p13 of band) |
| ROA (annualized) | 0.48% (p69 of band) |
| Total delinquency | 0.35% (p30 of band) |
| Net charge-offs (annualized) | 0.06% (p38 of band) |
| Loans / shares | 46% (p35 of band) |
| Cash / assets | 25.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p47 of band) |
| Operating expense / assets | 4.00% (p68 of band) |
| Vehicles % of loans | 50% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.32% (p41 of band) |
| Vehicle NCO | 0.15% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 15% |
| Average share balance | $2,583 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $4,785 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |

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

- 2017-07-26 [Envision, Rose City credit unions finalize merger - Tallahassee Democrat](https://news.google.com/rss/articles/CBMirwFBVV95cUxNSmRKeWMtMEZSUlB6TWp6ZWlJY2wyeDBaVWZxQ2hVWTNBSDYzUDE1Q1JtVTItaXhnQnNCb0NLcGxVS09aNEk3MGhub1BPTTRnMk5tRGprQkY0Nm5QVXp3b1J5VUo3RlBuS2VxUnpnOGF4ME1zMUNqdmE1TnExWFhyUjdodk9HRFhOZUdrSDVVVGpBQ3dVQ0pxTXNLUmJMOUZNUG1xOHc2NFdZczlSWkVF?oc=5) · Tallahassee Democrat
- 2026-04-18 [Rose City SportsNet - KPTV](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBwd2ZEOGxFS295UFZaLVFSRzRhNWdsOXpUc0VWS29WS0RGNWpEcDRzTWlRQmNkM283TEVVYTVjWWw3SnE3TEdxNE1lZkhYbnA4aHNSV3RxejFWa2do?oc=5) · KPTV
- 2025-07-15 [Introducing the Portland Fire - WNBA](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1FNllsSXpZME9zVUprNndqLWVteG9wNTNiS0Eyb3JodVlralBFMG1tVlVEVC1aR0c2c09NekhFd18zQ0o2SzhfZm1jdV9hUEF0eFNLc2gxRFNCTEZuRUlQaEdxUmhsQQ?oc=5) · WNBA
- 2024-12-21 [Project SHARE donates to Thomasville emergency assistance program - Albany Herald](https://news.google.com/rss/articles/CBMiogFBVV95cUxPTTVLaFdnR3l3WkhhWUlQbnBnUXd2SUMyb0Z1RFlhQmN6czlPVzBvTWR5YUcyalFFTk5mZ3pzek53UzNrMG83Y1pnTGtBWVNnSFktYVhSNEdiM2NFcTRueXdiMXlwcmdRRHl1bmdEXzZHdURCUF9zQmc4Q2NuNGlRT1pPektObi1yc2ZQbTdQVVlsNU5SV09ZbmhiUC1FSXlmOFE?oc=5) · Albany Herald
- 2026-05-09 [Wiley Edward Grady Obituary May 9, 2026 - Allen & Allen Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBFc2JQNnRhTUhxQnpIbHBsUDZNQ3VJM0cyWXFNVlF2cXp1dVdoM000S25kLVNNcGdGYlVXQVZlU0VzVDZUSXprVk9qYWpCRVlaZUVyWVdyN2twQQ?oc=5) · Allen &amp; Allen Funeral Home and Crematory
- 2017-02-16 [Envision and Rose City Federal credit unions may merge - Tallahassee Democrat](https://news.google.com/rss/articles/CBMitgFBVV95cUxOWmh1Mm9DclNvb1c4czRtOVVtUTNtRDV4N1BWdkhGYzMxS18xSWNBWkFEemc0R1Z4LWJYY1ptNmU0ZWJ5VjlZeU1LZ2Y2WEtQRkdjVDJKRS1xYWE3RHZqeVV1T01BNlUzRlRpWFBRa3RlRDhfaG5wYUt5ZnFKSVpzTV9sV1BWZEF3NEU2Y2N2MndNN3ZmSXhxSjFxbktNeGJPTFlFT2wyOURURGltclgycDZlZmpkZw?oc=5) · Tallahassee Democrat
- 2023-07-25 [James Cantrell Obituary Jul 25, 2023 - Allen & Allen Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTE80c2VHRVZobTkzaHV5MnRvVmNpQTZyV0dYc2NZME5rb3FTX3daM1dmN09OR3VzeV9QUVduSGpXOC1nTzFySDU5alI4UUxRaGZRUjhYdVVyQWpOT0NWNnExeENn?oc=5) · Allen &amp; Allen Funeral Home and Crematory
- 2023-05-04 [Sydney Ann Blanton - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPckItaDl4Tk0tTEZMbWNkOGNNbEhPUGpmRlFzbWxrWlkydWtTU1dBa1dzS0ZRcnNsNEUxeGo4Sllwakl1Zzk0MWJENlpGbWpIaXlwU0xCZ1lrUExLT2t1dU1vWlZPOGRsVTRXT1FiVWFPZmZIekZZQTA1OWFwSHMwaDZrWWJYMktXT3RMeHpSdGNGZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13352 (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/40.json (key "13352", 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=13352
- 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