# FAITH CONNECTION
Marietta, GA · NCUA charter 13704 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/faith-connection-13704

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 2,855 members of 75,000 potential (3.8% of the field); checking penetration 25% (share draft accounts per 100 members); loans per 100 members 109.

**Verdict on the desk:** this could be *ordinary*. 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 | $32.7M |
| Members | 2,855 (-1.5% YoY) |
| Full-time staff | 8 |
| Net worth | $3.4M |
| Net worth ratio | 10.3% (p18 of band) |
| ROA (annualized) | -0.33% (p17 of band) |
| Total delinquency | 0.87% (p59 of band) |
| Net charge-offs (annualized) | 0.05% (p55 of band) |
| Loans / shares | 66% (p62 of band) |
| Cash / assets | 34.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.84% (p49 of band) |
| Operating expense / assets | 4.73% (p74 of band) |
| Vehicles % of loans | 35% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.56% (p53 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 27% |
| Average share balance | $6,979 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $983,438 |
| Loans outstanding per 100 members | 109% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $6,231 |
| Loans granted, annualized | $8.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $983,438 outstanding purchased (29.3% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -3.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | delinquency rising | net worth falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 3 | delinquency 2x band, assets shrinking | repo signal |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 3 | members leaving |  |
| 2019-06 | 1 |  | delinquency 2x band, assets shrinking |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | net worth falling, margin squeeze |  |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 4 | thin capital | delinquency rising |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | loan book shrinking |  |
| 2022-03 | 6 | delinquency rising, repo signal |  |
| 2022-06 | 3 |  | margin squeeze, delinquency rising, repo signal |
| 2022-09 | 2 |  | loan book shrinking |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | assets shrinking |
| 2023-06 | 2 | assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 3 | repo signal |  |
| 2024-09 | 2 |  | repo signal |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 0 |  | members leaving, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | assets shrinking |  |
| 2026-03 | 3 | net worth falling, losing money, delinquency rising | assets shrinking |

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

- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13704 (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/8.json (key "13704", 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=13704
- 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