# GEOVISTA
Hinesville, GA · NCUA charter 16168 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/geovista-16168

Who the members are: federal charter, community charter, organized 1964, low-income designated. 21,592 members of 595,576 potential (3.6% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $246.4M |
| Members | 21,592 (-3.8% YoY) |
| Full-time staff | 78 |
| Net worth | $21.0M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.43% (p32 of band) |
| Total delinquency | 1.06% (p81 of band) |
| Net charge-offs (annualized) | 1.27% (p94 of band) |
| Loans / shares | 44% (p2 of band) |
| Cash / assets | 20.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.30% (p33 of band) |
| Operating expense / assets | 4.79% (p91 of band) |
| Vehicles % of loans | 57% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 77% (p49 of band) |
| Vehicle delinquency | 1.50% (p88 of band) |
| Vehicle NCO | 0.90% (p65 of band) |
| Repossessed % of vehicle book | 0.06% (p65 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 16% |
| Average share balance | $5,137 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $11,842 |
| Loans granted, annualized | $37.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (8.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, expense trap, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  | thin capital |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | thin capital |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 | members leaving | thin capital |
| 2017-12 | 6 | auto monoline |  |
| 2018-03 | 7 | thin capital |  |
| 2018-06 | 8 | net worth falling |  |
| 2018-09 | 4 |  | members leaving, auto monoline, thin capital, net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 6 | thin capital, auto monoline |  |
| 2019-06 | 5 | members leaving | delinquency 2x band, auto monoline |
| 2019-09 | 6 | delinquency 2x band |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 7 | net worth falling |  |
| 2020-06 | 9 | losing money, margin squeeze |  |
| 2020-09 | 9 | auto monoline | members leaving |
| 2020-12 | 11 | capital below 7% |  |
| 2021-03 | 11 |  |  |
| 2021-06 | 9 |  | net worth falling, margin squeeze |
| 2021-09 | 9 |  |  |
| 2021-12 | 9 |  |  |
| 2022-03 | 8 |  | losing money |
| 2022-06 | 8 |  |  |
| 2022-09 | 8 |  |  |
| 2022-12 | 8 |  |  |
| 2023-03 | 7 |  | delinquency 2x band |
| 2023-06 | 5 |  | capital below 7% |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 | members leaving | auto monoline |
| 2024-03 | 5 | net worth falling | charge-offs p90 |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | 3rd-party paper>100% NW |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2024-02-25 [The ‘queen’ of credit unions marks 50 years with GeoVista - Statesboro Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxNRkVWMFBZOU13X1NfZ3NNNEpZdlJENG1SNWp4eFJOMlRZMVFEX1lEUXFtMnZ5aTdKdHg0em16cUJPT0xGbTZOQ2hVSHhvbjcyV2JadlRDZ2FMM3FLTXFsUU5CblYzRzl2a1NPN253NkdHMEVwcklTbVFmYTJKd0loWmpFTDNMczF0VGxIdkJmNjFvS3VXbXVSaFk2Yw?oc=5) · Statesboro Herald
- 2025-02-10 [GeoVista Federal Credit Union undergoes technical difficulties - WTOC](https://news.google.com/rss/articles/CBMimwFBVV95cUxONnpyNGxaMXRjY2g1NHlyNThfU0piWEI2WF9PSWFsbHFTSHIycEFIdVhOalR2YUxHZ3dBMVJCWGZ2SFh6MWZrTFdjekoyb3Jxd0dHY2JUZVZFRTc2OEpLTmdxS2x1d3ZlM3ZBY0tOMzIzMUt3XzgwaW1MTENvVFplbjNuZThiWklOMXRhdHFhSEdGV0htc3JiTjBtYw?oc=5) · WTOC
- 2024-02-06 [Patricia Anderson - Fox & Weeks](https://news.google.com/rss/articles/CBMibEFVX3lxTE1VdGhyMGdJQzFkMjFyQ1JYRjJiWU5mSjlfYXg2M0s3SlhreVl5cXo3NUlKbFBoNm9HQnpwc2psVTNjd092NldnM3V1T0dzT2dvc3ItM1FhMnJBYWNLYmxsSmE4elpaTGZ2dHpzeg?oc=5) · Fox & Weeks
- 2010-09-22 [Rincon credit union robbed at gunpoint - Savannah Morning News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNSThsVHJNS2N2VnJVZFppd3JFTXk1dVY4amdtLWQxNFdtWEpMV215d0p1aTRPSGk5bFBvNXJSWVpsb2NFeTllU28tYXRhanFsOEkxWTR4T1BaTmRwTXF5ZW84aWI4LWlqSWV5WHVWZXRvNFhmU3YtS0lBWWlZZGUtaUQ3S1NVSXZqQjI5SXBjUF9NMTFfRnRlZFNGSE9VMmxHbkNqN2VHcw?oc=5) · Savannah Morning News
- 2024-04-07 [GeoVista celebrates its 60th birthday with cake and a ribbon cutting in Statesboro - Statesboro Herald](https://news.google.com/rss/articles/CBMisgFBVV95cUxQSEFiZ3hETFc5SGk1UmF5eUVmVk8tMjBVdTBiamh4aGNYS2YtSmNBS3duVzR0aXlzX0VMUDNHaTl0MlJoZ0ljUzhxaF9Ob0lwTExMby11Wk1ZblMxd0VET1JIZWhPWVNVR0pSS2ZsUTBnQ1hIWE5IVnVnMFNyemhTTHV6RGdUaU95Z25iUGxKSF9RSFFNRkNpS3lSZDBRS1RFRlZQS0pWT1h2X1NWdmRDQmFR?oc=5) · Statesboro Herald
- 2009-10-14 [GSP begins pursuit wreck investigation - Savannah Morning News](https://news.google.com/rss/articles/CBMiowFBVV95cUxQRXJ5TU9zcVR5SERjOGM5cVBWWFU2ZWZPSGZNLXg0MlZfbFRFek1zQW1TUVhsYzVVam43bkpzSk5jQndjZHNKZXRneGx0dUJuOG9aejQtMVl2Y1QtSnZpUkZjVks0Sy1RVXpOTkhCaF9aNHFYdlIxaEtrcHJrYm54bWJibUFlSTVxYURsbkszamxJaXlBSTY3NkpSZVVfYzZiME0w?oc=5) · Savannah Morning News
- 2021-10-10 [Vivan Ragusa Obituary (2011) - Savannah, GA - Savannah Morning News - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQcF93M3ZqTU8waExJUWt4bkRhd2tFMkE5aUhrTlFqN2ZsNkFTeTQwTC1FNngwQ0VyYW5RQnhWZHZtYVVfb29lQ2hwYTRjTDU1UExJQ1lEN0VLSWM0WmkyRklVdWNKUG11VTEwbHpzaXRTLXN3WjgybFFSc243enk5RG11b3hXUnN4eVpLOA?oc=5) · Legacy obituary
- 2010-10-05 [Two arrested in Core Credit armed robbery - Statesboro Herald](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOY3VVbUI4VW9va2lSZ1lpWkF2cUV4RThSM1IzLTFFRVNsNjJIZkxaUEpOMk96RklOMWM1OXBmdU1Oc2ppcWZzbW5QRjh1UEtsTWJFd09oWVBhU1FpTVM5a0xHQXpIcjZ5aERFeTVHc1JpVEFvb0xVMWVndzBwY25aUk5OOWhyX3lV?oc=5) · Statesboro Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16168 (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/40.json (key "16168", 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=16168
- 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