# PICKENS
PICKENS, SC · NCUA charter 14169 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pickens-14169

Who the members are: federal charter, community charter, organized 1961, low-income designated. 2,750 members of 120,000 potential (2.3% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.3M |
| Members | 2,750 (-1.3% YoY) |
| Full-time staff | 0 |
| Net worth | $4.3M |
| Net worth ratio | 15.2% (p68 of band) |
| ROA (annualized) | 0.57% (p71 of band) |
| Total delinquency | 0.00% (p9 of band) |
| Net charge-offs (annualized) | 0.00% (p20 of band) |
| Loans / shares | 44% (p39 of band) |
| Cash / assets | 59.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.49% (p50 of band) |
| Operating expense / assets | 2.38% (p32 of band) |
| Vehicles % of loans | 31% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 67% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 3% |
| Average share balance | $5,482 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $18,988 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 1 |  | repo signal |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 0 |  | members leaving, delinquency rising |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency rising, members leaving | net worth falling |
| 2021-12 | 1 |  | delinquency rising, members leaving |
| 2022-03 | 0 |  | margin squeeze |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |

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

- 2026-02-03 [Mrs. Harriett Davis Gibson Obituary (2026) - Inman, SC - Liberty Mortuary, Inc. - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZURLOUlheElUX1VlNk5wcUxIclJXWUFBakNlOFRrRXhKT2F4R0tiSWw5aXh6ZnNJMENwS0tIMzhFdHItUnd3b2hxbWNRVkNxb3k2WGlzWW1CMTJtRU44VDNGSDZDV2ozUWxfbXBVWnYwcFFfOF9vdFZZTXkxNWhzT1dfNHQ?oc=5) · Legacy obituary
- 2019-06-06 [Select Bancorp selling S.C. branch to Pickens Savings - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcUE1b3pQWWVVSjAyZFMtQk9BQXBQNkRMMldHeF9QcjNVcjJyOU1MVF9hdkhpOC0wNWkxY3U3TnVZY2ZpLU9mTkw5TVh1QkFVOXNHVms2ZVFVX1BCMTNRUU9feEFDWUxrWGZWSV9nbWoycXd2Q0p5dWFvNWFJX2M0em5uYW1hNFlCYkw5NEFFdlk?oc=5) · American Banker
- 2024-08-27 [Peach State and Pinnacle credit unions merge | - Pickens County Courier Newspaper](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaDZvMmRCbEpHTUl2Sm9IamhLa01aVFd5WURkczhJcmN2bjRuWFdYS2xfdGYwaHUzak1jTzUyQVg1R3JKV1dIT1JZSWV0ZHFJYXBBTUcwcDVZdU5PYmt1M3d4NGJ6ZFZtZGhjb0RJcTlUVnNRSVJ0Y2RZclpoU2kzRkZyd3hiUQ?oc=5) · Pickens County Courier Newspaper
- 2022-03-24 [Homes destroyed, neighbors rescued, Upstate residents relive a dangerous night of storms - WLOS](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOTFBXVWgxLU5GX3pHdHB2UDlYV3VaUy1jUWJNUzdHVnJ6LU1NTXhWMmZRNm5nYWtBdGNtZ1ItX0ZKWTBRaE52dno5YWpqenREVVpLN2k4SVA4ZEE0WHFRZFQ5SGJOUFZ4MTRHVnNVclJCUU42ejVCTHBGendUc3BNa29yYUZqZ3U0WmM4LVVYeWE4LTAwYzA4TmhTa2ZhYnhQMmg1TGlVSTdOcDhKNmczTWUwNXotWXEyVzFYUERyaUhFM25XNVZyT2g1NUtTcXdQWFczWlNXcFpwcHdab0lvVlVJZlRLcFJuVDE3Nmx1alhaRDVVaWtrbGV6V24?oc=5) · WLOS
- 2022-08-03 [Jessica Baker, Spero Financial COO, awarded South Carolina Women in Business - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxQNkI5OFFyNnZ1YnFXRXhyOTVWeDlRdnBPYzFFZjJzdnJXUnNpa0NuUUluWUJBcmZqdXhyeTRSN0JNRE1PaEZRMV9tSkVZSUNwU2xMaG5XODFVRjkydktma0VvaU9LTS1RU2RzWlJ6Y0o0b1U2bERwT3Y1d1M5NFdSWlZIVE9NdVBHVWxTdjYwdzdzNS1ERTBjeFo5eEo2MGVjcUVVWklaMzJRWTY2Wlp1NWRFaU5UUQ?oc=5) · CUInsight
- 2022-01-31 [Frank Porter - View Obituary & Service Information - Mountain View Funerals and Cremations](https://news.google.com/rss/articles/CBMic0FVX3lxTE0ySF9lVDhFcnMwTmZ1RzRMRHBBbWFxWU90RmtfZEFPemNGc01vYzVoYnA4TTV1a0djUUhpeW5hYlZKbUttUWpxdGZpamYtMVlzVFhmWGNvR2NWWVp0bS0xYVdFbFk1MWplMXg5ejN0ZkVUcTA?oc=5) · Mountain View Funerals and Cremations
- 2021-07-31 [Charlene Cathcart Obituary - Irmo, SC - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPQTZoaXRuQ0xjQ0p4RkM5RFVkcm9YRllNRzd1ZTZYOHhVT1U2dXhrR1lJTnZMRXR4NHpCLTNUZnRqeHI2dndkUFpPU0YzanhvYVFjNUVqWWZ2bHpUeGpObHBNZTNlS0F5QnhEOHFUbmdkbFZvQzVzNkJxTnZPTXg5RmZmZw?oc=5) · Dignity Memorial
- 2021-09-28 [On the Move: Jessica Baker - upstate business journal](https://news.google.com/rss/articles/CBMibEFVX3lxTE1PVDZxbWZiSG82NG5ENU9taDh5WHNYRUVvR1p5NE4zeFRXb0ZzZWJfODVkVjZ2c1NnZDJBQkY4dUE4MS1FcGdXMTRPX0tQcDNkZHQ2XzJjM052OEhLUjFfR002bXFiTUg3T3I2Sw?oc=5) · upstate business journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14169 (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/25.json (key "14169", 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=14169
- 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