# M E A
COLUMBUS, GA · NCUA charter 14034 · asset band $50-100M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/m-e-a-14034

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 7,575 members of 71,400 potential (10.6% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $64.3M |
| Members | 7,575 (– YoY) |
| Full-time staff | 29 |
| Net worth | $8.8M |
| Net worth ratio | 13.6% (p80 of band) |
| ROA (annualized) | -8.80% (p0 of band) |
| Total delinquency | 0.88% (p62 of band) |
| Net charge-offs (annualized) | 1.10% (p91 of band) |
| Loans / shares | 51% (p32 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p79 of band) |
| Operating expense / assets | 13.15% (p100 of band) |
| Vehicles % of loans | 40% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p27 of band) |
| Vehicle delinquency | 1.08% (p77 of band) |
| Vehicle NCO | 0.49% (p62 of band) |
| Repossessed % of vehicle book | 0.23% (p88 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 12% |
| Average share balance | $4,552 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $8,267 |
| Loans granted, annualized | $7.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, charge-offs p90 |  |

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

- 2025-03-25 [Gerald "Wayne" Weems Obituary Sep 29, 2014 - McMullen Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTFBrd3NBWWJ5Vk5FNkltcHVvOTViTTZFTVhjYTBDQTlqOWpaOTJTM2NsanFWTlB6d25ueUtGX1ZIOEswNy1taUduTXJuWXRxWUhraDZ1RlJ5TjQ0QkVaVlVpVGlmdy02Z2ViRkdN?oc=5) · McMullen Funeral Home & Crematory
- 2016-11-26 [Mary Hickson Obituary (1924 - 2016) - Nashville, TN - AL.com (Mobile) - AL.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOS0M0bWpPYXUzMFdMbXgwQ0R6T1A5Z3BYX2QyeFlKTU1XVG54cTllbnFWUEZxQnVhcEhobzZJaDhlaE92RmpEZXFyY3dCX3Nad0kzSGJVTk5aN1lxTjRpR0R2VGhuNWdnb2RReWdoSHB5QXl1WXZCUjA1VUtHRjN6cWtZcmF5a2c?oc=5) · AL.com
- 2015-06-29 [Barbara Perryman - WRBL](https://news.google.com/rss/articles/CBMiYEFVX3lxTFA4NmNQbDdMRTE4RUx5dHNHMzZZZEFqMkRfTlE3dFpDcl9CdjFqT3NGZFJNVUVoQnl2YzlXWFpHQXJub0E5UkNFRVN1WmRuX2M3cWxweng2QXlPWGVWMnpvdNIBZkFVX3lxTE9BNExuRmNKNU12Mk9RZEwxYk5IQXB1NmhpQUV5TzlHY3Y0Rkt5TGFjMzRZRGpKbUx6MEtOV2huOW43Qk91QVgxX1p6RWY3a0E0OFFXU2lndm1Qb3VTSmNyaV9HUVQyUQ?oc=5) · WRBL
- 2011-09-18 [Brother of MEA bank robbery suspect arrested - WTVM.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQM3d4ME4yNXpIM0xnc1FpSWRrYXpFSFNmN3YzalV4dWxRWUNNaFZ0ZUZPemFnaFJPa1N4NlZSYkc2QmdmTlRmdHN2Z2lRZmV0VzF3c0hxb1U3LU83UFBoeVM4UHU0MzNaMnR3dlBLMG1ETDQxbTNQejlVa1hXMWxaUHBEY9IBlgFBVV95cUxOYVp4UkN1QVplaGJWMkNpaEQ0V0RkTmNtRU5TdmpYMkJmbldWOXExbm8zTVJ3VkxfcHBubUVoRFZYdy11czAyUnB2MnZxZlE4Q0FheFdsLVBOZ1A2eTZZdmhNdTA4QlYwZ09hODRIRDFLZHlJcTMxTnZ1WERPczBJRU12MVdTNnhUcEtsWkR6bUwyM3ozQ1E?oc=5) · WTVM.com
- 2023-01-12 [Reba McBride Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPbW4zVlVmTlkxVDNqOHgxSS13aEM2RDhGZGpYNmJiaERrV1pmZEZWRHRYc2pQLUx0VUV1YXpLOVFOYUhOdGlrX3dRVWNpaWNPNHVDLUphTE1JMDFhcXFjcWIwZVVOMV9Zek9aNzBvWHE2SFlYa0lMbTFROU1VNkRta3FR?oc=5) · Dignity Memorial
- 2015-06-29 [Lisa Mills - WRBL](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9EbzZsb3RXRWtqbzN5Y1I5VVZrc2xCeGZFblpDcGZBVk92dHR5WUN6cGx4MXhja01xaVc3YlI1OG9BRDA0LTk4RHZzTkFzenU4OEJQek1nQU3SAV5BVV95cUxQaGR4TzIxak5RY1RGcnFJR3VhLWtxTWpyRjZqdTI2ZkQ5X3lMUUJwUE1YaF9zUEMzTFlPc3pWZHZEOExMaE5yaTY2TXBTdkFQcHhDUmVQVW1yOV9va0l3?oc=5) · WRBL
- 2024-02-21 [Joan Gallops Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNNGZSNHZ2QlRPYVdsdUhNQ25xYnhsMUZ0N2ZUVTB3RXdnNlF4dEZiQzVVUnRXNHJJNGRiQV96M3g2SDdnZnR4bFRUd2JZMFozRkllSlp2RU9mandXemN0bjFHTjNMSTNJVXI0RUxlOGw1cGg2R1hjendPVHdqYUEtX2x3?oc=5) · Dignity Memorial
- 2015-10-29 [Richard Reese - WRBL](https://news.google.com/rss/articles/CBMiXEFVX3lxTE83S2lBOVRENC1ETEYzZUZpVmVmNU90YWFUblZqZG16cFlkQzFWZDVUM1dUOU01eng3QkVZOVBmT1hpalc2a0JwVERMTDN3a3lQek1IeExMMDF3aTlI0gFiQVVfeXFMTTJ2YWRCemg2bjlpSmFNbUY2YVlIZGdyd3lva0pfM09RN1B3Y1h6Z2luMmNuUjB0UlFhQ1RscnNxczJ0cjRta0MwanBjRlFXXzM1dGVJaVNBcFVOVmhjb29Xcmc?oc=5) · WRBL

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14034 (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/18.json (key "14034", 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=14034
- 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