# COMMUNITY UNITED
WAYCROSS, GA · NCUA charter 17201 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-united-17201

Who the members are: federal charter, community charter, organized 1966, low-income designated. 3,352 members of 36,312 potential (9.2% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $23.5M |
| Members | 3,352 (-9.0% YoY) |
| Full-time staff | 8 |
| Net worth | $824,562 |
| Net worth ratio | 3.5% (p0 of band) |
| ROA (annualized) | -12.90% (p0 of band) |
| Total delinquency | 3.21% (p84 of band) |
| Net charge-offs (annualized) | 2.54% (p95 of band) |
| Loans / shares | 73% (p76 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p64 of band) |
| Operating expense / assets | 8.71% (p98 of band) |
| Vehicles % of loans | 14% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 7.77% (p96 of band) |
| Vehicle NCO | 1.50% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 25% |
| Certificates % of member funds | 30% |
| Average share balance | $4,317 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $25,756 |
| Loans granted, annualized | $13.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 10 | thin capital, capital below 7%, losing money, expense trap, margin squeeze, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2017-06 | 11 | members leaving |  |

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

- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2021-12-02 [Credit union teller admits taking $320,000 from customer accounts - The Florida Times-Union](https://news.google.com/rss/articles/CBMivwFBVV95cUxNT0RHQU85OFN2WkxpUkNBa3hsZkt5dVd3amstX19zdmpfVGFFM3BlWkpFYS01UXZJVEpOTTNWYmdFOGEyLURMSXdwOXBac0lnazlfOUtsX3NrbjVpUm5BYVVnU2xNZWF1XzBuV3I4YnZoZTNXeS0yLW1RUktWbnZ3cnJDUzNtS1NNN2VTM0tUam5rVUJLQ2NzbEh5UjBCNWV0Z0VhWmhJRU4tc0JWdGpMdGJYVXRRVG1QcXBoRXhJZw?oc=5) · The Florida Times-Union
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2026-04-01 [Community Development Financial Institutions: What and Where They Are - NerdWallet](https://news.google.com/rss/articles/CBMingFBVV95cUxQeHIyZG5ZOXZPZHZjbWN1V3RPM3BfU2JfbnZqT01YenRjblFSYkJveHhWY29yaXlHeVpBd25ZV1dSZDdkZWhyVzVBbGtSYVIwaWhIbDUxXzVmZlNwc1VGMzk1YU5ZZDFpYndFWDliZVkxNnhGcjNzYnROeFNGLUstY0pQMlNPcHJQWUw5X0xvNFI2dGhmSXgyZ05GNEhBUQ?oc=5) · NerdWallet

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17201 (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/49.json (key "17201", 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=17201
- 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