# AUGUSTA METRO
AUGUSTA, GA · NCUA charter 14228 · asset band $100-200M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/augusta-metro-14228

Who the members are: federal charter, service (single sponsor), organized 1961, low-income designated. 22,596 members of 573,807 potential (3.9% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *stressed*. 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 | $118.1M |
| Members | 22,596 (0.2% YoY) |
| Full-time staff | 48 |
| Net worth | $11.1M |
| Net worth ratio | 9.4% (p37 of band) |
| ROA (annualized) | -0.03% (p12 of band) |
| Total delinquency | 1.23% (p82 of band) |
| Net charge-offs (annualized) | 1.41% (p96 of band) |
| Loans / shares | 87% (p85 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p81 of band) |
| Operating expense / assets | 4.93% (p91 of band) |
| Vehicles % of loans | 79% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 474% (p97 of band) |
| Vehicle delinquency | 1.45% (p90 of band) |
| Vehicle NCO | 1.26% (p85 of band) |
| Repossessed % of vehicle book | 0.18% (p83 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 8% |
| Average share balance | $3,118 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $11,142 |
| Loans granted, annualized | $38.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | losing money, expense trap, delinquency 2x band, charge-offs p90, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 6 |  | delinquency 2x band |
| 2016-09 | 7 | net worth falling |  |
| 2016-12 | 5 |  | losing money, net worth falling |
| 2017-03 | 6 | losing money, delinquency 2x band | repo signal |

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

- 2017-02-24 [Augusta Metro Federal Credit Union Members Vote to Merge with PenFed - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPblU4OFVoZUxKNGlKT2lWR2JfcUxVQXlMWHM0cklRWEg0MTF3bGxtUlM2ZVRUb0tCc0VFbW5XbFFSMmlyWTBPMnpZMTVCTWJwR1AwVVcyNjBPYXJvNHUzdGxfbld1bS1DQWFHYk1JSTFiY1BMdkdZdzUxM0czbUtTWGpWc0JnTUNILVd0VDN5YXZUU1dzR2N5NFBVS3lpOGE4WG8zN18zRmxYT194Nks1X0NBamxfM2d2ZS1CUEpGUFluQQ?oc=5) · PR Newswire
- 2017-02-27 [Augusta Metro Federal Credit Union to merge with PenFed - WRDW](https://news.google.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?oc=5) · WRDW
- 2017-02-24 [PenFed absorbs yet another Georgia credit union - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdzFRNm9NQldJb1ZQQU9oQkpCU2Z5YjZrSThSNHJNRFpmUDNndjJ2T3l2VDNXOVpCdndQT3d0T2tOVjlWTDZFX0REb0drLUszQVg2a2U3a3l6eGdwZGZpOVcwb0dNLVRQRFBRa0dNa3AzenFsRGhYQkN6WV9ubTVucmoycXRGN0xEMkxOSTBQYUNSU19RNkJqUE5kelJvMHVfVWd4enMxbjFtalE?oc=5) · The Business Journals
- 2017-05-29 [Augusta Metro-PenFed merger to be completed June 1 - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcjBVS29hQ19Lcy1wVmlHWVVWMFFKbDFvMlAzYVFxSGZjUjdNdm5LMFBSeXZ4cWdyTVNiN3dJYjJRb21PVnZEMm5fZjJWTEVvNUEtdnBFWDhQcmxxSVdLN2sxZmU5YWsyMzJuVWlCdjlJZHFJdjAteWZwcXNXcDNsaTVhdjFCeXVkNmJlRGFzc2xmMGVhcFo3YVlBQlJ4NUpqNEpHa2Rhemw0cTRVQ3N6YWZlaUtBQQ?oc=5) · The Augusta Chronicle
- 2008-08-22 [Credit Union Branch Concept Features Café and Dialogue Pods - The Financial Brand](https://news.google.com/rss/articles/CBMilwFBVV95cUxOU3JsS1o3S0szYVdaWEJ3b2gwMXZLVlB0STdNOEpTcUZ5STgzOHJzR1Zha0JGNkJDaVc2ejE4amwyWTRiRkFIeC13aWFKQlQtYWhKUnIyVS10YzkxMURTNV8xLXVPcDREYXJId0lySkZYZ1NiWjVCNTNKNElHVmNsb3JXV0l6Z1NrVmQ0aTU5dnlrUHN6UTBR?oc=5) · The Financial Brand
- 2023-09-14 [James Tyler Obituary Sep 14, 2023 - Thomas Poteet & Son Funeral Directors](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5GTFJSSHIxV0dtSEh3SE15eXFHczJidVJaWWVmWGdjX2Q4Y21nd0c0TERPemVTSXVmMXZpcTNyTzV4eUc1OThkd0UtRlRacEdBNDQwaWw0cmdDQUtEcThQZw?oc=5) · Thomas Poteet & Son Funeral Directors
- 2017-06-03 [Head of market leader SRP sees great potential - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitgFBVV95cUxPWkpRLWszcHJUdzJuTUhzMGFSMjVFWEVGTUFqdnFTdlQwVzQyQmhCbXdoT196b2t4ajBlNVFlMEpHQTRxYkhIRFJIZ1NnZmdORlM3ekRmci1vNy02UnllWXhhY0hVbDltTE5QWTdlVmdhTDRHemVQMVJaY1RuNzhONDE0UXE5MDFydXRlQ05KUWlBR2ZuUmwzcFhWeUNjczVRTHhLMzhQMEdidUlBWlE1WlFFMUgwQQ?oc=5) · The Augusta Chronicle
- 2012-08-24 [Mary Louise Sprouse Obituary Aug 24, 2012 - Thomas Poteet & Son Funeral Directors](https://news.google.com/rss/articles/CBMia0FVX3lxTE02bVNTSHJBV3hFQ1ZOWTdnZU5EUUt1Y2pmTlc5ZUNPSUdRWTJSTUY4N1lBcWtIZmxzMW5YOXRSUk9TTkZLaFlSSHp3Q3AweU5QcjY3dFhpZXp2Y0dHSzFKWU12THRYM21Da0ZR?oc=5) · Thomas Poteet & Son Funeral Directors

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14228 (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/20.json (key "14228", 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=14228
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide