# SOUTH CAROLINA NATIONAL GUARD
Columbia, SC · NCUA charter 17636 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/south-carolina-national-guard-17636

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 5,584 members of 10,000 potential (55.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 63.

**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 | $97.4M |
| Members | 5,584 (-1.5% YoY) |
| Full-time staff | 15 |
| Net worth | $25.6M |
| Net worth ratio | 26.3% (p99 of band) |
| ROA (annualized) | 2.20% (p97 of band) |
| Total delinquency | 0.17% (p18 of band) |
| Net charge-offs (annualized) | 0.16% (p40 of band) |
| Loans / shares | 47% (p25 of band) |
| Cash / assets | 26.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p75 of band) |
| Operating expense / assets | 2.91% (p28 of band) |
| Vehicles % of loans | 67% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.14% (p20 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 26% |
| Average share balance | $7,057 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $9,762 |
| Loans granted, annualized | $16.6M |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2024-03-26 [2 Army National Guard soldiers killed in head-on collision - WJHG](https://news.google.com/rss/articles/CBMikgFBVV95cUxPWUstYS1wV2hYVmVPUzlEMjZac2haNEQ0cC1iWmZkSTBadzZUS0djdGtCZ3BYN19xQWY0b2o1WUhYNjJQd3drZTRSaGl6QXF1VmtaUG1BckZJWXhkaWs2bHhHSTNGaXZydTFlc2s4NV84S0E3SXduMl9qVWpPQ3N0cE5OZWIxLTFUTHUxNVhBdGp1QdIBpgFBVV95cUxOdlM0NHdINlpjblBodzFjZTc1Q3lvb2o3QTB5N2FWUjMwSXAwLUxGTTdfTXJwOUJ3MWZaR0F4S1Nvb3V2YVYySDZIS2ZibVZLa3BKbWZ5Wlo3VXZPbkNkY01wNm5aSG1HX3IxR1dOZmJ1VkdPdVVlZUlpWUYweHdwUUZUY01KdUhXSk1NTExydl9QMjQtYS1BTDdYaEtad1Q3VEF6eXlR?oc=5) · WJHG
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - South Carolina - Newsweek Rankings](https://news.google.com/rss/articles/CBMilwFBVV95cUxORThLZ2prVXlTVEhOU18xRE1ERGxyaHZ6T0lsMnowalR6NVlWUGl3R3dIVUJ0Qk94UV9lcHJrMUdMNkEtUzFYZkNGZUZhUzZhd3BpcnY3LV9jUWVzOTBPalV5Y3Y1VUR1TkxTcjZKYWVfaXpCeDIwQ1hUdGlkbVZMWXZtZFpsWFZxMkxBQ25vb1ViYnhZOW9r?oc=5) · Newsweek Rankings
- 2025-03-18 [Why South Carolina should pass this bill to change where your tax dollars are deposited | Opinion - The State](https://news.google.com/rss/articles/CBMiZEFVX3lxTE95UWNXWk9hNUU0b3R2VFA3alAxbWhITkgyT3hCb0ZWUjRQNnpFT3lRR0sxNU5OQTdMUnRXRC1GUjZpM056V1NvQ1lDbjg1T294WDZETkZCdmZrT3d3MUxhbFR2WkPSAWRBVV95cUxNNHlkZ2docXU3TVhmdUh3b2RvUEZnSlo0UXBOeTM1MDBDVHozSWcyMGFJS25uNWVwTENBYWZFWTYtcjd5Um9Lek9uUzRjblR3WFFLWlJxa1V6TW5vTEp4SzBWbHo4?oc=5) · The State
- 2024-10-07 [McCall gets the call as Scholar Athlete nominee - wach.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPaDNteGZ3cTUxdU1BaHNDYllTUVpra3NBSTZla3pobExEdmU1WTYxY1BTdDJseUcydllJcWx2VVZqNF80MHdCd09FRTNEUjNfV3ZsTXZDanZGMjI5TG4wWlNZNThKTWd0c0VrVjlCc2ZFSzAwOHg4RUd2TmtRQW9LYlNWcklDRFB6VkQwdnlZV3VqT254Z1FqQU1RQkxLTHFMN3VuV094Y1FPbzBJ?oc=5) · wach.com
- 2018-03-20 [Warren Jennings Obituary - Columbia, SC - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQZVlOMmhUNnFIMWpZUGxmQ1ZpbVVEM3lCRHdCWW5uNkRYWl9JbUhqWGtoTmp3Y3ZUZDdmMDlQWGNEak1VdmVvZG53NEVobnpWQ3dFUFZQREg3UWltc1lBbjRnUjNfY1o3NnNEWHQyUjBEQ25EV003WkhvM2thcEhJQy1rMkI?oc=5) · Dignity Memorial
- 2021-10-12 [Eloise Rankin Obituary (2013) - Columbia, SC - The State - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVWEyNVk0cUIxeDVZMVlMTExlU1JYdnNpSEt3X255MWJ6WThNOElSbVN0RHFLdFZhVkk1VEFNV3VDdEh6NW5lemNHVDZnX2kwd0Ria2E2S3IwOVhBZzFhZ3I0MS1zbWRYTklUcEUtVHc0MkNjZjF0V0Mwcm9GVk0wVnU4VjNDZUtyTDFxM2V3?oc=5) · legacy.com
- 2016-12-12 [George Holmes Obituary - Columbia, SC - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTjZ4NndOZVo1RFFoVVVfUXBENFhYRUlNd0Y4bG5IQU1mT2tWaFdNYl9nLUI3YklFNzdjN1VuWlBUY1l5RWs4MzAxMzN1N1lCR1JHS3NiRXlNUXJUS2tnTXJueS1ld2JTaE1KMm9CdFk1NExXTUxxUnlPLWFTX214T2VR?oc=5) · Dignity Memorial
- 2017-09-24 [Michael Snedden - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZFFaNTJGNlRMSzVkZDhWRURBaUdTT1BwUzNUYTJTcks5ZUFHVy1mMzl1d19CUG8tZllnQTYyRjBSbDBSVVhTSzRhRGY5YkduUkR5dUhzUTJzdVJCTXZEcG1VcWhSTmVNNGxsTTZIT2xlQ0ZvLWFseFVlLVZ2YlhfNHJmeUpDYVJOZm94TkE2NUxZSFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17636 (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/36.json (key "17636", 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=17636
- 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