# COUNTRY
MACCLENNY, FL · NCUA charter 18288 · asset band $50-100M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/country-18288

Who the members are: federal charter, community charter, organized 1967, low-income designated. 6,345 members of 27,937 potential (22.7% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. 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 | $80.4M |
| Members | 6,345 (5.2% YoY) |
| Full-time staff | 25 |
| Net worth | $7.0M |
| Net worth ratio | 8.7% (p23 of band) |
| ROA (annualized) | 1.28% (p93 of band) |
| Total delinquency | 0.22% (p19 of band) |
| Net charge-offs (annualized) | 0.50% (p63 of band) |
| Loans / shares | 77% (p74 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p89 of band) |
| Operating expense / assets | 4.01% (p66 of band) |
| Vehicles % of loans | 30% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.27% (p31 of band) |
| Vehicle NCO | 0.28% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 34% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 39% |
| Average share balance | $6,272 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $15,634 |
| Loans granted, annualized | $21.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |

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

- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-05-05 [$15B Michigan credit union expands in region with Hillsborough branch - Business Observer](https://news.google.com/rss/articles/CBMilgFBVV95cUxOdjcyQVBsQkpZVWZ1aDhFQXFOR1RvVVBkcXRNY24tV2ZpYkhHQlRLMXItXzgzeF8yWjliYnBGV3c3d1l3eGlYTjRkLXhrVTZ6VVl5MHE0ckdtOUFOQUxINk02a1ZsR0hPbk90d05kRmltTFdGR2N1VlgzdWtkYjVtbUhMS0NaQXpVNHJHTWg5ekl5SjdaR2c?oc=5) · Business Observer
- 2026-05-04 [Teachers Federal Credit Union Expands Orlando Presence with New Lake Mary Branch, Growing Florida Footprint to Three Locations - mysanfordherald.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNa2ExX2lBbC1qOWRsZVhsTWo5N1FwdzZIQTJxaTVzOWNhRGI0RF9rNmZ3T0FEanVfRGZjcWtzS1YyNHRRVHhPSkh1YnFDZ3ZIVmlxRmN2QWxDXzFRZTh4Q0xGa0pycU5SNkdzVU01NUNjd3VsWklKSm9hOFZPYnRCT3JoUVB6N2hSZS1hb3V1eHlBbEc3V3BxbFVIY1ZQaW5POEtuZmVLaXl6LVZ6UEV2MWRkVzYtbl9adWV1VThJYjhkeWFURmFXQkZucTltNGxUZF9mNnBrbWQtcXN2bS1UeW5mXzlGeklDVDZpYlNhbzZsbkdQRXFmZg?oc=5) · mysanfordherald.com
- 2026-05-26 [Looking forward: The month of June in the arts - St Pete Catalyst](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQldpTm9lQ01HS3lBRG9HV0FaOGRJY0xUdUlFdHZmTUNEX3BJTXlCMmdfRHNTdE5xRkcxa0JDNjhQU0t1OXFTRF91aDBnV2NtTEdZRjFRSWVQVTlUeGhBSm1nVkNqZkZ3NHpMTHlGcnMwdXRiODhFMEtxUmxMdHZ6Ug?oc=5) · St Pete Catalyst
- 2026-07-13 [Tim McGraw Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBiNENrT19aRjNpZkdRRlRkeUY4MVZUUHAyWDhSdFBSRnJ2SzVTUjh3OWxjcmRUZGNLcENLOTFMZVV5amNZN3hnOWxWNkdJbm51LW5iZGROSFFQR2YxN3c?oc=5) · Ticketmaster Blog
- 2026-05-06 [Watch: Luke Bryan's Sneak Peek Of New Anthem Is ‘A Country Boy’s Dream’ - iHeart](https://news.google.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?oc=5) · iHeart
- 2026-06-01 [Luke Bryan Setlist: Get Ready for His 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMia0FVX3lxTFByb1kyWF9wSEhJaElfRFhpUTlLcGNKRU5Sb1N0M0JJQ0pYUUs0OEhkM3FSaFJGMnJPNWhWd194VkFHb3QzR3pjZXRFSGxFZzVOS1RsN0pjbjhpSTVPX1BOemRvUzVBbTlMZHk4?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18288 (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/48.json (key "18288", 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=18288
- 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