# AFLAC
COLUMBUS, GA · NCUA charter 16096 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aflac-16096

Who the members are: federal charter, service (single sponsor), organized 1964. 9,446 members of 40,000 potential (23.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 10.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $137.4M |
| Members | 9,446 (-12.3% YoY) |
| Full-time staff | 8 |
| Net worth | $51.0M |
| Net worth ratio | 37.1% (p100 of band) |
| ROA (annualized) | 2.64% (p99 of band) |
| Total delinquency | 1.53% (p87 of band) |
| Net charge-offs (annualized) | -0.05% (p3 of band) |
| Loans / shares | 15% (p1 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.69% (p50 of band) |
| Operating expense / assets | 0.75% (p0 of band) |
| Vehicles % of loans | 19% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 4.34% (p99 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,455 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 10% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $13,784 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 3 | delinquency rising, loan book shrinking |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | members leaving |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 | delinquency rising | loan book shrinking |
| 2020-03 | 3 |  | delinquency rising |
| 2020-06 | 3 | margin squeeze, loan book shrinking | assets shrinking, members leaving |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | charge-offs p90 |  |
| 2021-06 | 3 |  | net worth falling, charge-offs p90 |
| 2021-09 | 3 | repo signal | margin squeeze |
| 2021-12 | 4 | members leaving |  |
| 2022-03 | 3 |  | repo signal |
| 2022-06 | 2 |  | loan book shrinking |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | repo signal |  |
| 2023-09 | 3 | delinquency rising | repo signal |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | charge-offs p90 | delinquency rising |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 3 |  | charge-offs p90 |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2024-12-20 [Albany native retiring from key Aflac position - Albany Herald](https://news.google.com/rss/articles/CBMigwFBVV95cUxON0U2TG1ISDJleGZLWm5ETXpuWGg2cW5rbVlPZF80eWtTN2NXcHQwN01ROFF0NnBWOFZMOTF5U3dLeDljNHo4RHhLVWZtLW5PMDd6UjB6N25GazZFdXAzeG9CU3VMYlgwUXR2RnlGY1RxV1JXR29sTFltZkZSTFczN0FaNA?oc=5) · Albany Herald
- 2025-04-08 [Best Banks and Credit Unions in Georgia 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxOS3A0VHJESTNTR2UwVTh4M2ZDdXd3d1UyM0xRaUp4QklHZkJoZFVnT1dTQnRjbGp0bDQ1RlE0am1lVEtFMXBGcG5qckV4NnJvVldaZ21sNWVnZFRvc1VjV3p6UmhISEo5bENtdHhMU3Vad3NRVExRc1p5ZUhvbEZmbHBOMk9GZ3FZSnZhM3JB?oc=5) · Newsweek Rankings
- 2025-03-01 [James Woodall Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNaHQ4V0xEeDBIRW1POXBBM0syUVpsYnlORHRRb3dLZTVQOGxieFM5NkV6eEVjRHU3UF9MbVppS2cyRDg5ajQtbUlsLXNLbFVqX0xrZXRsbEdzaXZqVkVmdUpPcEd0SnRkSEVQalJkZm1ZWUFVOGxBc1Z5S3VSM2xOQnQ2Zw?oc=5) · Dignity Memorial
- 2014-11-11 [Aflac U.S. Names Michael J. Tomlinson Senior Vice President, Director of Sales - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxOaXloV0k5RzQtcFNTbG9xSDh0d2VUNDhwMEFZU1FEWmphN1JncEN5dW8zVi1Wc0JaR3E4c3UzQ05OTVZRT0puS0pwaDBDaEFNTDRVV3JVcWtKeTlxUjRpcUFrLW95bkZ4allKX05XU2lqWnA4TWxCVVQyamhkcVFIalE3LTdHWG1hLVJhZ0RCU1o1eUVqVXFGanRwOElQQlRWX0tNeEc1Q3NWWHRpVF9OYTNhQ2xqZHB3ZERXcDRHMnRlSVc0TnhSd0Jn?oc=5) · PR Newswire
- 2025-06-18 [Juneteenth: What will be closed in Atlanta and who has the day off? - AJC.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTU5iemVXX0ZkaXhySUJpenlKQzF5a1hBWVRjUmZGU2hsZXo4aDlGb0VETnRhT05QLUZOei1ZQnJ2dUw4N3Fra1ItbHJSSTFGUE1VZnVqV1BuOHF6dTR4SjlKejVuMktLdm1LVzlPdUJkN0hMVkZYMFE0MEJvOHA2cnRlVGhock1QVU5XbDZrQkFmd3JSYmZ6S1A0UEg?oc=5) · AJC.com
- 2015-03-18 [The 10 best companies to retire from - Fortune](https://news.google.com/rss/articles/CBMibkFVX3lxTFBIbjlvTTVDSloyemEwSlc5U2xsMkljekc3TUtBS1ZJSUhpVXlNX0gzZHlfS3hQeXZlVzg0Y293MFRRb0hEN0ZYMXZ4M1pQNHBqVkROU3g1c01WQThKNmNCZXhkUkh1ZnNnUXBsOHFn?oc=5) · Fortune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16096 (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/32.json (key "16096", 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=16096
- 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