# LANIER
Oakwood, GA · NCUA charter 19552 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lanier-19552

Who the members are: federal charter, community charter, organized 1969, low-income designated. 8,822 members of 20,000 potential (44.1% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $74.1M |
| Members | 8,822 (3.6% YoY) |
| Full-time staff | 20 |
| Net worth | $6.5M |
| Net worth ratio | 8.8% (p9 of band) |
| ROA (annualized) | -2.19% (p1 of band) |
| Total delinquency | 0.48% (p41 of band) |
| Net charge-offs (annualized) | 1.10% (p90 of band) |
| Loans / shares | 90% (p95 of band) |
| Cash / assets | 15.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p79 of band) |
| Operating expense / assets | 4.84% (p85 of band) |
| Vehicles % of loans | 72% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 6% (p61 of band) |
| Vehicle delinquency | 0.44% (p43 of band) |
| Vehicle NCO | 1.28% (p87 of band) |
| Repossessed % of vehicle book | 0.25% (p92 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 22% |
| Average share balance | $5,016 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.8M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,328 |
| Loans granted, annualized | $21.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.8M outstanding purchased (89.6% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **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 | 2 | net worth falling |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 5 | thin capital, losing money, expense trap, delinquency rising |  |
| 2017-09 | 4 | net worth falling, repo signal | losing money, expense trap, delinquency rising |
| 2017-12 | 5 | losing money, delinquency rising | repo signal |
| 2018-03 | 4 | expense trap, repo signal | net worth falling, losing money, delinquency rising |
| 2018-06 | 1 |  | thin capital, expense trap, repo signal |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | expense trap |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 2 |  | expense trap, delinquency rising |
| 2020-03 | 5 | thin capital, losing money, expense trap |  |
| 2020-06 | 5 | margin squeeze | expense trap |
| 2020-09 | 6 | expense trap |  |
| 2020-12 | 5 |  | losing money |
| 2021-03 | 6 | capital below 7% | expense trap |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 6 | delinquency rising |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 4 |  | net worth falling, delinquency rising |
| 2022-06 | 4 |  |  |
| 2022-09 | 2 |  | capital below 7% |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | delinquency rising, repo signal, assets shrinking |  |
| 2023-06 | 5 | expense trap | repo signal |
| 2023-09 | 3 |  | assets shrinking, expense trap |
| 2023-12 | 4 | expense trap, repo signal | thin capital |
| 2024-03 | 4 | thin capital, margin squeeze | delinquency rising, expense trap |
| 2024-06 | 4 | expense trap, delinquency rising | thin capital, margin squeeze |
| 2024-09 | 3 | thin capital | expense trap, delinquency rising |
| 2024-12 | 4 | expense trap, delinquency rising | thin capital |
| 2025-03 | 2 |  | repo signal, delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | expense trap |
| 2025-12 | 2 | loans>95% of shares |  |
| 2026-03 | 5 | thin capital, losing money, delinquency rising, charge-offs p90 | loans>95% of shares |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-02-03 [President Trump Signs Lake Lanier Wins into Law - House.gov](https://news.google.com/rss/articles/CBMickFVX3lxTFBNZ3hadmltVmxZZks1blItUDVPVmlqeF85elczZEpNUnZzaEd5eFVvdEVIR1o1RUxMMjM5S0xoU2hqSEluWTNsVkxPRzc2VlBFbGhnR1VzVnlDa2xpcGt1bl83NEpILXdxR0xwaEdUcktlQQ?oc=5) · House.gov
- 2026-02-19 [Something Good: Lanier County softball awarded championship rings - WCTV](https://news.google.com/rss/articles/CBMinAFBVV95cUxNT0pWc2FWVmpyTmVBaGtzUDFaWXd1M2lMVWFWbUItVEY0OW1SQ21kNTlWNVRxaGtJRkc3QXp4amtjLVlqWkF4WE1VUXhVOFFYTWtBRDZ3MDZndkRIYzRSX2twR2hNWl9kb2xjaEF0U1gtc1Y5T3ZyNXROcHNOZzdoWGtpUURhTy1RT0pHVWZBWkZ3X3JKMkNPV0JfNFc?oc=5) · WCTV
- 2026-07-10 [Regions expands investment banking through the acquisition of The Frazer Lanier Company - ATM Marketplace](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPQjVWcHh1RkNiSzAxd0VIbUR4VG1fSE9FWHpISkFaVVAyZFNNSkZQaGNLN0tRQi1VS1p6YW9kMXBydWFTOWNVcVVjRUdWZ1Rod1RsZjdPSHBTbnI0dHpwa0J5cDR5WExuamJ1bzhZVXpzbzZZNWFGNmpDamF0bnZEQ0YxOXFkbDlBVllwMjZXeXhBd1lKMlp3UTR2YjE2eXYxM3dKSUp1UEowTmdLLTFpRVZ6cXNlVVIyOHRJQktQd2J5Zw?oc=5) · ATM Marketplace
- 2026-07-20 [Gridiron Preview: Towns County (Presented by My GA Credit Union) - blitzsportsga.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5IbXlSeWF0cmIyWVlRV3hJSEJmUVJRejZwZzNwcmRLWXNlSVpBUjk3OEdNektLbDBFcjk4RF9HTlhxZkczLUx1Z1NwNFptQmxmb3R2bGNuUENHbU9hUlViZWJIbUtjejllelln?oc=5) · blitzsportsga.com
- 2026-08-19 [Delta Community Credit Union plans larger Buford branch - North Gwinnett Voice](https://news.google.com/rss/articles/CBMic0FVX3lxTE10X1ZQdWd4SmE0NkNsVGoxcm8zcEoyQWZWNlhvR2xLUVhydl9WRmRqRnZEd3dLN3h3ZVVzMmxJbk1IaDM0TUVMUkVlQ1h3QjlyWXB4MU9kaGl1T2xXSEtPcGNlcmVYTGRCMkcwOE1ZSXl1UEXSAXNBVV95cUxNdF9WUHVneEphNDZDbFRqMXJvM3BKMkFmVjZYb0dsS1FYcnZfVkZkakZ2RHd3Szd4d2VVczJsSW5NSGgzNE1FTFJFZUNYd0I5cllweDFPZGhpdU9sV0hLT3BjZXJlWExkQjJHMDhNWUl5dVBF?oc=5) · North Gwinnett Voice
- 2025-12-30 [A Run With A View! 2026 Bridge Run Registration is Now Open - The Brunswick News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOdUJTNm1pQXBWbGplNnBxT2hsNzNpNVVMZW9OTWxiaW5vREkzMjdxbjdEZVFsWkVKd3k5STlnSVZiY0NwSXI1cnFVdWR4T2NvWW1OVXoxRWhJcTJDUHFJZVNhZkROSmotV1B2N3hrLTZFcTVxa0N2SDlib3JzWmh6WXN4b1RqbXQ1Q2htR2JnZXptS240bThLbnVJTUhSelhjblVpZGltZ0lRaDJFOXlYZnBWemM1Z0FTQnpvU0hqYmd4UXMxQmRTRHl0eFV6ak5Pb2hyZnUxV3Z6UQ?oc=5) · The Brunswick News
- 2024-03-29 [Annual Earth Day celebration returns - University of North Georgia](https://news.google.com/rss/articles/CBMihAFBVV95cUxNQ3BLU1BpVDJUQTlRbDMtcWYwaUREalZVbFNWZWNvNnJLT29KYWRhVXQ2Q3VtdU1vaUhqMDZJeWl1bDI0SmdJcnY3UE5odGF4TjdTd3ZTT3EzX25LUXR3Yl82ZFFuYXBxWndWbHJNRVVuRXpJRkozX3JyZXJXVzhkSFlCa0E?oc=5) · University of North Georgia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19552 (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/32.json (key "19552", 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=19552
- 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