# TABERNACLE
Augusta, GA · NCUA charter 14103 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tabernacle-14103

Who the members are: federal charter, associational, organized 1961, low-income designated. 47 members of 6,000 potential (0.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 13.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $203,270 |
| Members | 47 (-61.5% YoY) |
| Full-time staff | 0 |
| Net worth | $20,365 |
| Net worth ratio | 10.0% (p33 of band) |
| ROA (annualized) | -3.75% (p1 of band) |
| Total delinquency | 0.00% (p9 of band) |
| Net charge-offs (annualized) | 17.66% (p100 of band) |
| Loans / shares | 9% (p3 of band) |
| Cash / assets | 90.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.55% (p2 of band) |
| Operating expense / assets | 5.11% (p91 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 46% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,102 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 13% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $2,763 |
| Loans granted, annualized | $9,965 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 4 | thin capital, losing money, charge-offs p90 |  |
| 2016-09 | 4 | expense trap | thin capital |
| 2016-12 | 3 |  | losing money |
| 2017-03 | 1 |  | charge-offs p90, expense trap |
| 2017-06 | 4 | losing money, expense trap, charge-offs p90, loan book shrinking | delinquency 2x band |
| 2017-09 | 2 | margin squeeze | losing money, expense trap, loan book shrinking |
| 2017-12 | 2 | loan book shrinking | margin squeeze |
| 2018-03 | 3 | margin squeeze, members leaving | charge-offs p90 |
| 2018-06 | 5 | net worth falling, losing money |  |
| 2018-09 | 2 |  | margin squeeze, net worth falling, losing money |
| 2018-12 | 1 |  | loan book shrinking |
| 2019-03 | 2 | expense trap, loan book shrinking | members leaving |
| 2019-06 | 4 | delinquency 2x band, delinquency rising, members leaving | expense trap |
| 2019-09 | 5 | assets shrinking |  |
| 2019-12 | 7 | losing money, margin squeeze |  |
| 2020-03 | 9 | net worth falling, charge-offs p90 |  |
| 2020-06 | 7 |  | delinquency rising, assets shrinking |
| 2020-09 | 4 |  | delinquency 2x band, net worth falling, charge-offs p90 |
| 2020-12 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 7 | net worth falling |  |
| 2021-06 | 7 | expense trap, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2021-09 | 9 | delinquency 2x band, delinquency rising, assets shrinking | net worth falling |
| 2021-12 | 6 |  | delinquency 2x band, delinquency rising, assets shrinking |

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

- 2026-08-26 [Longtime Atlanta concert venue has new name, thanks to Florida credit union - AJC.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQNHozN2ZGZVBKRmdVOVRhTVd4NmprQmlHSnhWSk9UeXh4cEFTUm9RN2tld3V2b2ZUY0ZjUk5FejhWMWcxUExsNVBTWDM5ZzQteWhPWFJIODg0NzZVcmRhSk9jMDJ1d01pUHRyVGxNWTJOQl9OYzBMNGxqbEN2NmxDcFQxanFEZWoyUlRtcVd1Z0JtSWZxa2lPSFRJNA?oc=5) · AJC.com
- 2026-08-26 [Well-known concert venue getting new name - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2026-02-24 [Saturday’s Black History Parade steps off at 1:30 p.m. from Tabernacle Baptist Church - WGXA](https://news.google.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?oc=5) · WGXA
- 2026-03-29 [Mary L Bentley-Brown Obituary May 25, 2024 - G.L. Brightharp & Sons Mortuary](https://news.google.com/rss/articles/CBMidEFVX3lxTFB1andnOUhqbEFpOWZJWkFpQmVjbnpLZXc1NTlMb3FuVllqSXk0V18xeHk1b3pWOEtVQzlkVTBYN01FWEJNS0RWaXFWY18xOG1keE5uWFBqTHpKQk9STzNTdWwtOWk1RjNObXJzVXg2ZEtTWi1V?oc=5) · G.L. Brightharp &amp; Sons Mortuary
- 2026-01-05 [Black Bartow Events to Host 5th Annual Black History Parade in Downtown Cartersville - Coosa Valley News](https://news.google.com/rss/articles/CBMivgFBVV95cUxQbjdyeDBvSWFIVEN6cjZLQzBZcXFpUDRHNnZpeGpIak44cVFNOFJyRjh4OFp1WF9WNTl5dFJLNWhONjRXWmhZalBkb1N4ZVctMkkxSzZOanhvNFlGZlJ5enZLeEtQa1BBT09zQU93WDBudnFxaHlFcDh2X2dhWURQWVc3cmxCc1hHeWtucVdrMzV0dW81cU51dGJudFpNb0lKZUJCekQ3eEtBSkItQm9mbzZ2cUF1Ymp2dFRmR3FB?oc=5) · Coosa Valley News
- 2025-12-22 [Christine Taylor Obituary (2025) - Bridgeport, CT - Baker-Isaac Funeral Services - Bridgeport - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPUTdEZ2xvTFdWS3BHOTh0bW1mSlZ5blJpeC16emlHUXRPOXVrOHBkTktEalJxX0N3V21YUlp2VF9tN1NuUXB4QjhucVQ4Mm5OTWdSaW5oNXljc3BGTHQ0QjJFb2hwQ1A2M3lRSGR3WGNva1MtU1lHdXlhZmJCbnhkeWpfcXhPdw?oc=5) · legacy.com
- 2026-08-26 [Tabernacle music venue introduces new partnership, new name - Rough Draft Atlanta](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMzZTRVE1dEhnMVEtSHdzdEQza2xFQmdmdWp1X3ozVndZQVhHV0dfNGVmcW1oTllNV3FraHZkV1FFWWxSSVBQcHRnOFh0UWdPcnVKVkFHY2NuN1haaENJNkQyMW1Mc2RUNHYwbmtjUTNpTDAzSUw3TllzNDRqbldxZ1JIemhISkJUMHh3d2JXa19EenF5SGN3OWJRT3pNUS1sSlE?oc=5) · Rough Draft Atlanta
- 2015-05-01 [Church ministry includes credit union - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitwFBVV95cUxQOHlDZ0NRUUI3UGVVZG9JRUd1THp2NllWMFNvZ3Z0bVRlODBfbDRrWldTak94MTdoZzR2Tk5ZZ1ZSYUk3T0liX2U2TkhUR2ExNm1LNmlOWFNkSXBWNGtLRE5zM3lrVlhPZGxZT1RRRmpvaUZYRkFLTTM5cGl2VzNXbTk5QllVRjJWcUZZNEFIU2syMm1ZeDI2YWZZU3FwNlpoT0xLXzZxVmRqY0Jvb3ZYbklNM2hGTWc?oc=5) · The Augusta Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14103 (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/23.json (key "14103", 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=14103
- 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