# PEACH STATE
Lawrenceville, GA · NCUA charter 14676 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/peach-state-14676

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated. 76,603 members of 973,705 potential (7.9% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 122.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.11B |
| Members | 76,603 (-1.7% YoY) |
| Full-time staff | 249 |
| Net worth | $99.0M |
| Net worth ratio | 8.9% (p12 of band) |
| ROA (annualized) | 0.77% (p56 of band) |
| Total delinquency | 0.35% (p21 of band) |
| Net charge-offs (annualized) | 0.27% (p21 of band) |
| Loans / shares | 74% (p21 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p66 of band) |
| Operating expense / assets | 4.11% (p89 of band) |
| Vehicles % of loans | 27% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 4% (p10 of band) |
| Vehicle delinquency | 0.57% (p49 of band) |
| Vehicle NCO | 0.47% (p15 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 356% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 24% |
| Average share balance | $6,033 |
| Participations bought / yr | $0 |
| Participations sold / yr | $18.3M |
| Participations outstanding | $126.2M |
| Loans outstanding per 100 members | 122% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $7,916 |
| Loans granted, annualized | $173.9M |

## Participation posture (from the same filings)

Bought $0 and sold $18.3M in the latest annualized quarter; $126.2M outstanding purchased (127.5% of net worth), $80.0M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | expense trap |
| 2017-03 | 2 | expense trap |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | thin capital, expense trap |
| 2018-03 | 3 | thin capital, expense trap, margin squeeze |  |
| 2018-06 | 2 | net worth falling | expense trap, margin squeeze |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 2 | thin capital, expense trap |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | 3rd-party paper>100% NW | expense trap |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | leaning on borrowings |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 | delinquency 2x band, loan book shrinking | 3rd-party paper>100% NW, leaning on borrowings |
| 2024-06 | 2 |  | delinquency rising, delinquency 2x band |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | loan book shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | expense trap |  |
| 2026-03 | 1 |  | expense trap |

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

- 2026-05-13 [Habersham school board honors educators with Peach State Federal Credit Union awards - Now Georgia](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZ3NwYjVCdTlSTV9SdGhhU0xsd2JUVWdMTGdxaU51dG80aVNYbWVZRzNfR1A0cmZOUmtSc05sMHVYVHJYSElzcF9tVTB6OXI1TlE3RkJCT1pXOWhVZkdET0M1VWRheTA0TDdHaFFLdEdGV2ZZUjdpRnhMWk55bHVSSXVuekNDTmdMV0Q5bUN1NjhGdmtQa1I3TWtqQ296UWJaWGRrV1JWSGVsZDhU?oc=5) · Now Georgia
- 2022-03-18 [Dr. Keith Everson elected Chairperson of the Board at Peach State Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxNSzlwRkdLVzZtSzFkMnl5R3lncnk3T1ZvbDZqSnFqazZTd09OZG1PcjlRbXIxOFE2N1lJYTRxMERVeFFwTGdtdEQtZXV6YWRzUFdHbXU5Zjg2Y3I0b0lHS19hZUxCRFNteGZJT21PVXo3bzRrWFVKRl9UT1lsZXpSTlRRQkpIbWpqTTAxdUx3M0pQejVSQ0RuVUlpN3ZvclhfVHdNdHNiekNMb1BxS3g0blNVb0o2NGxpcl9NMmFzVkhyT0dW?oc=5) · CUInsight
- 2026-03-18 [Habersham school teacher and nutrition worker honored for exceptional service - Now Georgia](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZ3FIcEpsWG1RTkVVbGF1ZmNjTVpXd2dWd0hWSGFaVTZTUllwOG4xM1k5WDlmZFA0NEQ3WWo5SjhpN2RWMld0R2lvclVtQVFoeE1BMUZtY1FfZ2xFbGtlOXpiNzNoTzlsLUs1clBOVk5YaHR6Qjd0X1Z4OGxiQWstX0tyaXpOVndjVjVHTWFfWldMbkNtSDVqTUZSckd3VVBvczM4?oc=5) · Now Georgia
- 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
- 2021-04-07 [New video captures Jefferson bank robbery suspect - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMijgFBVV95cUxQa3N1NGc3NEdBLXA1WDFabkUtMVlKbV9kaXQ5dS1GUTI2QzJzT2FrcDNES0xQQkFiVHJvMDZEQlZmckdUR19yVzN6YjIzSGI1Q1Z0dVZseXJKV3daRFNKcm5KY09jQnNYNVVjS015cDBxQmtoTGJEY2RlNEFuaDk3dlp5T2ptQ19HeFFjdWlR?oc=5) · FOX 5 Atlanta
- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info
- 2016-03-23 [Peach State credit union holds 'grand opening' at Tobacco Road location - The Augusta Chronicle](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPb25lOFF6N0J2XzlnMHVFcGw5eG9MYUFHR0pCTXhoeThhaDMybnc3TTQyTUFvY3pXNzZCZ0x2U1k3U2hKZTZ6Y1puS2JmTWtWMXpjeC03TE1QVlVhN3hDLU9IR0lPYlZjSFhWNmtSQmg5OEZPenF2OXlZVThMTVRnSFpqWEhtOTZPX3E4WTRXUDJMWGVyX2Z6Qzh1UHBvbVE0dmVFUWExQndBM3Y0RmhXNmNkZS1fYTZJNm1HOGZTb3FWWmV3dWR3b2JPX2lYQU5rTmxDMA?oc=5) · The Augusta Chronicle
- 2020-08-26 [Lakelands Federal Credit Union to merge with Peach State FCU - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxPa2NpeElWbUZicXA3eGZ0eDZsZEh1VHllM3Rhb2IwbWk2NENfZVdITksweUR4QXhoeUdaUWtHdXV0U1RLeGZwVk5WUVFKVEJweW9JSHpFdnhBaF9WVFBmc1JsMnhhNmJBQUdROHZPbVRRM1RaaVd1eXhsQzZSVjA5SUNiT2tMSkxEYXpEOHp0RWNuOEp2bzZYbUN3OHE4OUxMbXlxQU9QYlRXRUZmcXc?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14676 (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 "14676", 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=14676
- 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