# GEMC
TUCKER, GA · NCUA charter 19536 · asset band $100-200M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/gemc-19536

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 12,685 members of 100,000 potential (12.7% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 70.

**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 | $126.2M |
| Members | 12,685 (0.1% YoY) |
| Full-time staff | 29 |
| Net worth | $13.2M |
| Net worth ratio | 10.5% (p48 of band) |
| ROA (annualized) | 0.76% (p56 of band) |
| Total delinquency | 0.56% (p42 of band) |
| Net charge-offs (annualized) | 0.11% (p17 of band) |
| Loans / shares | 86% (p70 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p65 of band) |
| Operating expense / assets | 3.68% (p47 of band) |
| Vehicles % of loans | 47% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p17 of band) |
| Vehicle delinquency | 0.32% (p34 of band) |
| Vehicle NCO | 0.05% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 84% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 9% |
| Average share balance | $5,562 |
| Participations bought / yr | $5.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $10,777 |
| Loans granted, annualized | $43.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |

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

- 2024-01-26 [Go Energy Credit Union announces permanent Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYjBENmQwNmpvcXNBekIxZjk2R1F5UUFvM2ZHTWd0YnJ4ZlBTZ3RWV21zM0NpZHhrQWVwRWdXOHdDcTRlWUQ2Q0RFdGNxWEs4WXVPbXZtWkh6cVVNVENHU1J6cmJ4dTdlUFVGQTJKdV9XREZvb0ZNQndrVXNERG85YXBZdmxzc2dqb3VZekhpY3JLR0xoNnZ1RHgzVTFPamlGMW5raVVuZjVJYkE?oc=5) · CUInsight
- 2020-08-26 [GEMC Credit Union becomes Go Energy Financial - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQanQxNTRaeXZDLS1fX194M1ZOT2hfM2UzV1RQbW9hZzAySV9aQ3hST3d6aFhHeGNHX2ZEX05rSjg4QXBVZm1HbGFVSWdvWEMta1JOemo0YmlwQXZDZDV5cUEyaXc0c1ZTQ3p2QVJPaHlqT0JqRVhVb2ZoNjhnNUZZZzcxMVNlaU94eTE2dlp6eUdDQWRoLWxmUjRB?oc=5) · American Banker
- 2022-03-17 [GEMC becomes Go Energy Financial - CUInsight](https://news.google.com/rss/articles/CBMifkFVX3lxTFB5V2I1TzZKT2hvUUdJWWluaVc4amYzeURoT3hoRjMzdUxvdmNUX2U1YXZrQU45UC1lM3J6WTBuWVlPM0Y4MHo5TUZ2bXMyVFYtam83a3pHUUJoZVY2WWQyREpkaG81Wmk4dHlxaS1LZTdxSHJ3SmI5anhoSV9zdw?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19536 (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/16.json (key "19536", 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=19536
- 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