# FLINT
Reynolds, GA · NCUA charter 16085 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/flint-16085

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 600 members of 725 potential (82.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *auto monoline*. 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 | $2.9M |
| Members | 600 (-1.6% YoY) |
| Full-time staff | 1 |
| Net worth | $848,647 |
| Net worth ratio | 28.9% (p91 of band) |
| ROA (annualized) | 1.76% (p90 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 55% (p46 of band) |
| Cash / assets | 60.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.45% (p71 of band) |
| Operating expense / assets | 2.80% (p27 of band) |
| Vehicles % of loans | 72% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 4% |
| Average share balance | $2,768 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $7,364 |
| Loans granted, annualized | $804,748 |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 2 | auto monoline | delinquency 2x band |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | auto monoline, net worth falling |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 5 | delinquency rising, loan book shrinking |  |
| 2017-12 | 2 |  | losing money, net worth falling, loan book shrinking |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 3 | delinquency rising, members leaving |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | net worth falling | members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | members leaving | net worth falling |
| 2020-03 | 2 | delinquency rising | members leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | margin squeeze | delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 5 | net worth falling, delinquency rising, loan book shrinking |  |
| 2021-12 | 4 | members leaving | net worth falling, delinquency rising |
| 2022-03 | 5 | delinquency rising |  |
| 2022-06 | 4 | net worth falling | margin squeeze, members leaving |
| 2022-09 | 1 |  | loan book shrinking, delinquency rising, net worth falling |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising, members leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | delinquency rising, members leaving |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 3 | members leaving |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 2 | assets shrinking | members leaving |
| 2025-03 | 3 | margin squeeze, loan book shrinking | assets shrinking |
| 2025-06 | 1 |  | margin squeeze, loan book shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-03-26 [Georgia-based Workmen's Circle CU is top-performing US credit union of 2025 - S&P Global](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNQ01sam1LQXlQTmFiZEZWai1fRUhkZU94Q2p6Z0VKYTFFNzZncUJkV1p2WEgwOXlremdRRlhub0JxTzhpMWIxMHJOU01UUmpYY3BlNC1zcUxfQnJkR2s1TUxmN2tEdG5FNGxzZllvUGRTRmJyMjVUT2ZpejRKWUF6WUZUWUd6OUhnMlFFNkpFZUx5Q2tsaFlabWVUaUJucVlPQng4a0JjUThRVktjc3FwNUd2dmNhS20wWmNDNXJUZzloT25rVTJmdVFpbk1oeE16S3RxeXc2bTZWQXNkYU5KZDZRU0FHbFdLWkE?oc=5) · S&amp;P Global
- 2025-10-19 [Georgia’s Own Credit Union volunteers aid Habitat for Humanity statewide - WALB](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeFkyUlJ5Q2xpME50SlowOTlsS1ZfZS1UWDBFQWk1cGxQWF9na19VaGlhLVJ2SDBPMmlwcE9QVUZJODMzYWsxeG9FQWFSV04zSFZGd3NGeHZOeC1Bb1ZjZ25yQ05PZzBXYWN2OE1sWWdZZzZobkhUa3czUmhTRWhfNGNqTnJVZFc0U0JDS3lncmZtc1QwQnlWNFJKNV8wakx2b2fSAbYBQVVfeXFMTlowc1B5SHpiTUhmcnB5XzVMSksyS0NMTGVybkZ2ZGpqWXNqRTBSUEJZRWdXYl80d2ZzaHhlM2o3WG1xTFJaWU16cHB3MlY5d2FZcXZBZVZEdkFYMnBTVlBfVDYxLXZsNHJWaGRFaGg1OHdLLWN2cHQtZUstZ1hwZmJQTy1iTldrR2VNMTRobEVWTVVMZjBfSk1INnFUOWNBVlNVbEg3MjBYcUIteG9OemkwSW5MNEE?oc=5) · WALB
- 2023-08-29 [Alabama credit union agrees to buy Georgia’s OneSouth Bank - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxORFIxTFkxOEkwb1c2SV9lakJ6MTk2elF0UWdsaXoxZkJyMlVrTHl4QlJpTUVxeE9GRWVCdVBMT3pycXJzVEhIal9fZTZVYmlqeEJCUWIzMk1xNVFVMG5QMmM1aFlkYUFQZWdRZS1LZk5oemdIMzdsSy1uWFF4SHpJR2UwdjlBQmIwLUNGcDkweTU0Q1c2eU1fUzRDVkNRZS1rQW51LUNwNVpCVzVXamtn?oc=5) · Banking Dive
- 2026-07-07 [Wanda Willingham Hogan Obituary (2026) - Buchanan, GA - Patterson-Forest Grove Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9MZDVvNDhsUm1XM2xaenF4SnJDS2ZTazBhdnVqRVptakhKN1JlT2U3SVluZ0d6aWwwM2N0TXktNWVlaXh1NG5PMDhSMklFQ3ozNll2S0dKVXpBYmZUNEJKeTBPMXRIbHZZdjdZTzh2dGpUR01UWWdGOG1Vei16VnM?oc=5) · legacy.com
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2023-08-31 [Make It Four! Another Bank Acquisition Announced (2 by Same CU) - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRndTOWpTR05MQllLVFhCcUV6WW12M0FuejB2TU9xT3BNTHlUQjcxSWdhN2NkUUZNTjNCZ2o0ZlczT3BmQUJSbDhaN3o2NkYzd3dTTHYzdnduZHhwTnpyM3BXcVpvSXdBaUhWTFlCak9vX2FrRk9yTS16YWllbHROc3JiNU9IdFdOUTNhdUxBM253eXRZTWNKcDc1SnpoWU0?oc=5) · cutoday.info
- 2023-08-28 [Five Star Credit Union is buying a third Georgia bank - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVUEtTnktNXh2S3l5Y3UxaTNqUUE4VjVacVZFbHJ4VXpaeDNWV3dvYm03Y2I3NDlZSmJ2YUdhNGc0Z2E3ZTFjdF92cnQ1NGdSSnAwRHR6N09TUmpzS3lDSE9wRjh5SzItN1ZzNWtYajlxVk9QU3VSN3p1NXZpQzgwZ0Z2bjZmRlAxbmJJWGc3aF9sem1uWXEyUDREY2xEX0tJX3RhOA?oc=5) · American Banker
- 2024-12-21 [DOCO Credit Union, Flint Entertainment Complex create partnership - Albany Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxNb0UwT3ltcTZ4bTViOU5Vcl9NZUFYZDlFa2xrS05QX0FQQzY2WGJqNHpZOVZjUGtvdWVSS2k3YUhrWVlBUl9rTi1DM1ZjOVc5dERveE5vRGN2MFgxNVBJazBxcFdQUGZQRmptWjdIeUE5YTBXVUpCUWRjZHIxdEVJNVhENFlNQ0M3Wnl1eXdkaUlKZUU2dTg3QWhCVQ?oc=5) · Albany Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16085 (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/21.json (key "16085", 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=16085
- 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