# ALLSOUTH
Columbia, SC · NCUA charter 13828 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/allsouth-13828

Who the members are: federal charter, multiple common bond, organized 1960. 119,460 members of 1,916,395 potential (6.2% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.51B |
| Members | 119,460 (1.0% YoY) |
| Full-time staff | 314 |
| Net worth | $289.2M |
| Net worth ratio | 19.2% (p98 of band) |
| ROA (annualized) | 1.50% (p93 of band) |
| Total delinquency | 0.31% (p16 of band) |
| Net charge-offs (annualized) | 0.61% (p59 of band) |
| Loans / shares | 64% (p11 of band) |
| Cash / assets | 22.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.35% (p52 of band) |
| Operating expense / assets | 3.40% (p61 of band) |
| Vehicles % of loans | 60% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 121% (p44 of band) |
| Vehicle delinquency | 0.29% (p18 of band) |
| Vehicle NCO | 1.14% (p58 of band) |
| Repossessed % of vehicle book | 0.09% (p56 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 21% |
| Average share balance | $5,201 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $17,215 |
| Loans granted, annualized | $368.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 5 | net worth falling, expense trap, margin squeeze | delinquency rising |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 | net worth falling | expense trap, margin squeeze |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | expense trap |  |
| 2023-03 | 3 |  | expense trap |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | expense trap |  |
| 2024-03 | 2 |  | expense trap |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 | net worth falling | auto monoline |

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

- 2026-08-11 [AllSouth Federal Credit Union Announces Planned Retirement of President and CEO Bill Koehler - Greenville Business Magazine](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOS3dERFRGUzV0dFpKOC12Z1J4RC1zelJ1QWZEaXZpdkNfNk53NWlOcGdKT2RDcUdSakFhekdkRFRkX2NMcDY1OHNOT2V3NWdOQzRFNG05amhXU0R5UEJTY01ZUFNpZnQzT2JVNzJBLUVWcUZKbkxrRGtJeW50a2JJYVFHTU1ROUhWaGxRamxrelVrX09mWXdEdFhEMVp3X2NIc1pQblZLdGExc1dwdThkTU9JSFAtRUgzc3lla0FBT1VGYlpoV1g1a0VtaUxwNmNwZ3dKUC1yS3FLZF94?oc=5) · Greenville Business Magazine
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - South Carolina - Newsweek Rankings](https://news.google.com/rss/articles/CBMilwFBVV95cUxORThLZ2prVXlTVEhOU18xRE1ERGxyaHZ6T0lsMnowalR6NVlWUGl3R3dIVUJ0Qk94UV9lcHJrMUdMNkEtUzFYZkNGZUZhUzZhd3BpcnY3LV9jUWVzOTBPalV5Y3Y1VUR1TkxTcjZKYWVfaXpCeDIwQ1hUdGlkbVZMWXZtZFpsWFZxMkxBQ25vb1ViYnhZOW9r?oc=5) · Newsweek Rankings
- 2025-10-20 [3 ways to prep for holiday spending - 6AM City](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeW5pcnBtSHo5ZXN3NjBCazl1eURRYmxOT1hxMnhYTWp3T1ZRRzBnOUI4ZGowSDdoc0xqNWpvNWxUZnEzR0J3N0JoamNHaTREMWlNU0RXak9SWklGTFM1WDRmQmRCNE9LWS1RUjU1VnVUMXltYVlRNDhRNWlOT2lSTg?oc=5) · 6AM City
- 2023-05-25 [AllSouth raises $25,000 during annual golf tournament for Transitions Homeless Center - wach.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOWlhjaXNYOWxhTkd2TDRUeUhJNXctUUFuOU4zZWZaa2lELUloTFJkcHpjTmxNcDAzMi1PM1FZaGVFR3ZrNUxPVmQyeFViMjM3WndEQXdHYVVOaG5PdW9FYldIVERTZURVZUJfQnB2Y2R0MHExRlZiQU1pYzVVU0c5V3BjZmRBSFZaVUVZOWZidEdtOVlzTTh0bkczT3NHQUJLVEZsRW5UMl9ZcGRZSlBIbw?oc=5) · wach.com
- 2013-04-14 [Credit union warns not to respond to scam texts - WIS News 10](https://news.google.com/rss/articles/CBMijgFBVV95cUxQT0gxbjh0eVVMdmRkNXdCMUNWeWlDaVVGLUNqYXFNa1ZXeWRHVEVVWmdFcHMzZVFYMmc3d094aUFjNUd2UlFxSmpfUGxEcnZFWG9Tdk1NYUcxY1pGQU5JalBvOFd5MUhzUUNaOUQ0R1Ezb0VjS0lrTlktOFJDcGdVNVJ2aUViMEE2Z0dLS1NB0gGgAUFVX3lxTFBzMkNIMjBVd1pqZmRjb0E4WWxaRVdRUnVXOEZadWNJRHJDTS1wVUpfRTdlenRjZGJZZUZteDhrd3gzaVMwc3FmSWU2MnVTTEMxQkw1b0NzRmVTLXYwRm1wa09uNFB4Ry1SN1M5MlZKdk5tdlRzNWcwZ1Y5V2EwdXdseTZYeDNBdDIwU1ZVY0ZQcElUOWV1X2Z6M0Fxa1hYSjA?oc=5) · WIS News 10
- 2019-08-15 [Three charged after shootout during bank robbery - WCIV](https://news.google.com/rss/articles/CBMimgFBVV95cUxObjJIZzVEVnlEZ1dnVldJOVo4WjI2enM2OVo4TURFZHMtY0hEVHhtb2hpR1BLa2plS3pVOE4tdzM5Z3JIY0Jqa1FKazFORWpPdURDb0I3T1FnVlNfSEdBQnlqRHUwa3lraXRHUFkzcmUtUldyYk5WbGlHOVZWNENtWHUwZDdMNng5VG41cWtqaktOejdjZHVjdGFn?oc=5) · WCIV
- 2025-08-13 [Free Times' Best of Columbia 2025: Services - Post and Courier](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPZ2lzalR1SXBDQy1SRGpTN3hNRFRHQm1ZLTNUaFl6dDg0UUJzRHhhSVBnaUZ1eUZMeFU2azBLQzdtUkc1eTN3VnczQ1UxWUdUd3JCZXFrQUZ3UzBBZWFXZjB3UTFsU2FqWm5MWGlFOC1ObjVHemZhbzNCLXB4T0RIMDFyaWpPQ3BaUzRlbkNubHJRUHZiS29fRmY2Tzd1Unl0d0FmZVBFSEl1T2hFUE9fYTNKUkg2TDZnNlRkSHRBdUFXVFhXYmUtUVJjTFJUYWNmMXRzUkswTTg4OU93MVVuUG9QUlo?oc=5) · Post and Courier
- 2026-07-30 [Weekend event aims at inspiring and empowering women - wach.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQbFBEcnZjLWdSU3ZrNDhZRmJheGRXTm40T0tiaW9rSG1IU2NWSFZydFYtNFNyMEkxNVljNnh6YTdjTkk4Y0tQMTBrOUs5SmkzUmxmektzWi1mR3YwN1BSdlg0dlhDSWxMczRMN2FaZ3dTRFdIUWhmODl4cDJlME43TWRId1NlZ00?oc=5) · wach.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13828 (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/4.json (key "13828", 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=13828
- 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