# B.O.N.D. COMMUNITY
Atlanta, GA · NCUA charter 20974 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/b-o-n-d-community-20974

Who the members are: federal charter, community charter, organized 1972. 3,803 members of 161,812 potential (2.4% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 99.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $44.1M |
| Members | 3,803 (16.3% YoY) |
| Full-time staff | 11 |
| Net worth | $5.0M |
| Net worth ratio | 11.2% (p24 of band) |
| ROA (annualized) | -1.96% (p6 of band) |
| Total delinquency | 1.72% (p75 of band) |
| Net charge-offs (annualized) | 4.32% (p97 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 14.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.33% (p91 of band) |
| Operating expense / assets | 5.83% (p88 of band) |
| Vehicles % of loans | 32% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 14% (p91 of band) |
| Vehicle delinquency | 2.61% (p85 of band) |
| Vehicle NCO | 12.71% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 2% |
| Average share balance | $5,767 |
| Participations bought / yr | $1.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $8.8M |
| Loans outstanding per 100 members | 99% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $9,588 |
| Loans granted, annualized | $8.0M |

## Participation posture (from the same filings)

Bought $1.4M and sold $0 in the latest annualized quarter; $8.8M outstanding purchased (177.3% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -9.0% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 | repo signal | net worth falling |
| 2017-03 | 3 | losing money | repo signal |
| 2017-06 | 3 | net worth falling | delinquency 2x band |
| 2017-09 | 2 | delinquency 2x band | losing money, net worth falling |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | delinquency 2x band | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | thin capital, delinquency rising |
| 2019-12 | 3 | thin capital, delinquency rising |  |
| 2020-03 | 5 | net worth falling, repo signal |  |
| 2020-06 | 5 | losing money, margin squeeze | delinquency rising, repo signal |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | net worth falling |  |
| 2021-09 | 4 |  | net worth falling |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 3 | net worth falling | losing money |
| 2022-06 | 3 | assets shrinking | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | losing money, delinquency rising | thin capital |
| 2023-06 | 3 |  | losing money |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 2 |  | assets shrinking, charge-offs p90 |
| 2024-09 | 2 | charge-offs p90 | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | members leaving | charge-offs p90 |
| 2025-06 | 2 | assets shrinking | members leaving |
| 2025-09 | 3 | members leaving |  |
| 2025-12 | 3 | loans>95% of shares | members leaving |
| 2026-03 | 4 | losing money, charge-offs p90 | loans>95% of shares |

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

- 2025-01-26 [Harriet Unfug Obituary Jan 26, 2025 - asturner.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBrM2x4NmJLVkJ5NjZlT2VTT2E5QjRlVGM1Q0RXcEJDRVlUSmxVMWJObzQ5NTg3T0RCRjJsdUkxOHJnRTBrRlVpVDdBcHlDTndubjNiN3ZiRWQzNkRETHc?oc=5) · asturner.com
- 2025-10-09 [Lorraine Fontana reflects on building, growing lesbian community in Atlanta - WABE](https://news.google.com/rss/articles/CBMinAFBVV95cUxPR21KWnBCSnhBbnc4dnhTS09XTHc0U1phZTZJSW0tOHBURTJFU1dSUUoxYlhfWkppRmEtUG9RTE10R1lEaEV5Z180Ql9LT2JuWTVNYXU4ZHNxZkIzYmVlRUg3cVU2enFxN3M5bFV5ZGs5ZUFrQ2pqNlFGZmVzR29Ham9pLW05UHU1aFJGNFlZWkxvRmxybkwyS21XVWo?oc=5) · WABE
- 2023-05-14 [Obituary for Christopher Steven McPherson - Memorial Park Funeral Homes](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdkoyeU1tQTg1anMyRlJUWmEyTDJuaGZOTy1tUWNJU09OZnlkYWxNSmdvN3dwRDVCSEtZVkpkRlZNby1sZzB0S3BJSXJQbFJxU3J3N2FUbUVqZFVEaVhIMDk0NHZ6TWFjUXN3LVBqNmxBNnVkNE96d1pHai15YzJYS1pYQQ?oc=5) · Memorial Park Funeral Homes
- 2026-08-12 [Donald Thompson Obituary (1946 - 2026) - Mount Pleasant - Post and Courier](https://news.google.com/rss/articles/CBMioAFBVV95cUxPRUNzemJ4YUxuZ2RPSFRjdE51djgtYzViRTZUREM2a0k5SVBadEg4cUJWeDVROU15LU1Md2F0cDBTT3FuX3pfa29qUWtFNmtSQ0ZSb2hQTmV5WkQzQ0ROX1VUbGg0MC1nRFFKS3ZNMzYyU2VvWU0tWERhMGhrWUVYVHhTMDc5TzZOMmdLc1VtbE5DOWxodmcwd3FRR2psbElH?oc=5) · Post and Courier
- 2025-11-14 [Houston Wheeler Obituary - Sandy Springs, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMlJBcFAzLXpjSDFuX0JxazI2NGluWmdrV1V2bGdWUVMxX3VEVVlyNFpLNGRXbUM2bFRla18zNXktQ3Fna0NyTlZBanAwcVZSdlpLQ0g2NXNGZmxTTk83ckRSS1ZaLVZIZndaS2NibHRRakd0S0J6b1RkRXdBOVZ0VHZxSmpIRG1mLWRlNw?oc=5) · Dignity Memorial
- 2021-12-28 [Little Five Points’ little feminist press - scalawagmagazine.org](https://news.google.com/rss/articles/CBMickFVX3lxTFBlb01wc3B1a1kwQ2NzTUYwdVY1VXhfeGxQaTJ3NXpyalVRUThoOHRPRU9rMER2TVBjRkJDOFpST1JMeWYweF9lTXZ1SEZNRXRYSEhwU0M3eXF6U2gxQjdoSHFmTk1SYnRBM2RQVG43eVU5Zw?oc=5) · scalawagmagazine.org
- 2022-11-28 [Star Bar and its popular comedy night get a reprieve - AJC.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOUVFfd2c0ekdZSXlvTmpjTHlCT2hNT1RKQ0h2dEpJS0JQRWl6NHp2cE9oUlAtNjRYZkVSZFVWMWRHaWhLWmhVRXVabzhEWjVVMUZsMnZCNk1PTXctd0tGVTFBcVBELWVkalJfMFpjczhhTFJyZHkwVzY0amtheWI4a3BpZWhiZkxXRW1qSXZXMXVpakYycEtidWtrVmplbjdHZ1NMVVpCbW1QNXZMOHV4SXJUWQ?oc=5) · AJC.com
- 2019-02-25 [Meet the generation of Atlantans who helped make Little Five Points what it is today - WABE](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYndONi1QNHdTWlpOOUR0b3dOMEhBV0hYT0FRUmtyQU5sRWVIcWRsU3VUaGtmaHFrbU1GYzV0THRJNWl4UkVwaGNwUHZDdVFFZmhmN3hLblNwWE5HWE1mMzN6a3ViRFhCSzBxcmFrUjBkNGtMSlNWUE56b2RqQzNYeTdueGlCZkJQSy1fSnJKYmk2NXpyY2xtS1FraUU3Y3B3NU1pOEFtSlB1Zw?oc=5) · WABE

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20974 (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/46.json (key "20974", 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=20974
- 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