# CPM
NORTH CHARLESTO, SC · NCUA charter 21971 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cpm-21971

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 66,965 members of 505,251 potential (13.3% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $742.0M |
| Members | 66,965 (2.8% YoY) |
| Full-time staff | 186 |
| Net worth | $69.4M |
| Net worth ratio | 9.3% (p28 of band) |
| ROA (annualized) | 1.22% (p84 of band) |
| Total delinquency | 1.10% (p82 of band) |
| Net charge-offs (annualized) | 4.12% (p100 of band) |
| Loans / shares | 72% (p26 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p40 of band) |
| Operating expense / assets | 4.61% (p89 of band) |
| Vehicles % of loans | 21% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p14 of band) |
| Vehicle delinquency | 0.21% (p13 of band) |
| Vehicle NCO | 0.29% (p17 of band) |
| Repossessed % of vehicle book | 0.08% (p59 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 68% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 23% |
| Average share balance | $5,105 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $47.6M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $16,452 |
| Loans granted, annualized | $160.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $47.6M outstanding purchased (68.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2017-06 | 1 |  | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 3 | thin capital, net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency 2x band |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | net worth falling | expense trap |
| 2026-03 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising |

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

- 2021-12-28 [Authorities believe bank robbery suspect tied to prior robbery; release new photos - WLOS](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOaTdCMnVkbGtUSHh2dUZuY3FubXI2ZGJhdkZkWVVHb1VPTFJtMnRSSE9PdUJHU1J1b0h0THRvSTRKLVNSOG1hTjF1LTRtN2pPVnZESEJVcmZJMmFlaTZaLU9TdFV1QW1PandPN3d6NXJMdDN3SGJLYkN4dnhNTklmSl90YU5QOG9WZl9qaUFiODkzRVM4YVFxT3FmN0h2Wnd5WjZ6Nk1mY3RWRXd2Ny0zRUxPZ3BHNVVYYVVLam1BazdZdmFzU3JtOTFHdktOZEVOUUlEQWVieTduQmlNb1AydkRabWV6QjQ4UVh6QWdhQTFTS2pWdnh1Vm05dnNRTEhSbU9Gb3pxb1Q?oc=5) · WLOS
- 2021-12-23 [Armed bank robbery reported at Greenville County bank - WYFF](https://news.google.com/rss/articles/CBMikAFBVV95cUxObXI2RVd1T3piakJjdVV6cWxHZzhVYTdBNWVoeWhTYm9PbFpkMmFMNV92UEVkR0kyODVMSTRoNEYzclU0T0FtLW43ZjdXTi1zRW9RNGpkSWNObGtsOXJ3TmVMcmRFQ3B0VHZtM1psRm1NSnhlT3lPeUFZbmVMUWZXZWd4RzltYTZZdzI1eFl2NjI?oc=5) · WYFF
- 2021-11-18 [Greer Police search for bank robbery suspect - WSPA 7News](https://news.google.com/rss/articles/CBMidEFVX3lxTFBzSDJYU2ZtNzRjZlVkN19JS281dGtTWnREUGVGaEI2NlY5Qm1oOW94WUUxSTMyTVp3cVQyQkxMbVlseDV3VVl3aGozNS1NUlA0WDM1V1VjUEFKVE1PUmdYOS1leFMydlB6dG5JXzBoSzlvdEYt0gF6QVVfeXFMUG5kTWRobFQ5akpUUjJ4bEZ5Uk13VWJNRW9wSkE4T0pMSHdzRGg2U3FodzZrVnQ3Q1RtRmk3bDF3T3VzZDhJbFFTLXlsaEFxbVJuWndYR2Q2QTdHX0FpSEpIdU55VTJ2bXpOQnQwSWZiZUdUeHI1NVV3TUE?oc=5) · WSPA 7News
- 2026-02-25 [Upstate SC credit unions participate in Habitat Greenville build - Greenville Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMzZPNFV4UGIwXzliNU5sM1NiUU5BRVZNQkdoRnBWeUUzQ29rQTktRnozbV9BS3Y2TWtXWkcybV9RaWZIQnEyN2NfS1hic0VpRWpYanRkQkhVZGEtb2ZLMmZJbFFoVkQ5X09RWHNtMk04MUFoX3cyVTc5WjFqYUlYUnR4QkI2SW9uOHAwN05GdlZ0VjNFQ3lvUEMxWWZWOWw0WklkWmFFaVQxRXBWTmpsN0wzMA?oc=5) · Greenville Journal
- 2024-01-30 [Maurice Joseph Pilver - The Florida Times-Union](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBSam1kNU5SMVRlUlZOVmFpeDU3TXNOeUJQTE5JWTF1VVdtbVBUOWFrYW45NDFhWGRoR215VDMzN1JmaDk2QU8wWnVBMlFIa2tURG9uYkFhU0gyVE9mcDM5WA?oc=5) · The Florida Times-Union
- 2021-06-01 [Russell Allan Easterling - Post and Courier](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcXVEQ2Ffb3hXRzRDWkRaSTkxZmJxNmdjX0UxUnhONUdWRFdfajdlNThyWjBZUUw0dlZaMmE5VTFqbktxeWdiZnV0WXJRUkhueFJMaE5MSU5ZaUUzRlRjb19uOWo3NkdlZ3hxdXotZDduTjYyWE5zazVOVEx3cVhnM2NTUE9VOVZQSHNMclhUV2dQbG1Jc3ZlZTREMnUzTUk5akRR?oc=5) · Post and Courier
- 2020-07-17 [Rita Lynn White Obituary Jul 17, 2020 - obits.robinsonfuneralhomes.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5CdXlGZHI4VDV5YUd1VGRNUFcxSHJ1b2hsR0F5SGw1SG02VFdmQWJEMHZ3S081SjRlSG9kelJlNWFCV013eDdnaTVXbmZUU2N1am5QSVo5anJ5QktoNUE?oc=5) · obits.robinsonfuneralhomes.com
- 2010-09-02 [Nicholas Adam Dillon Obituary Sep 2, 2010 - obits.robinsonfuneralhomes.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE8waDlVVGJDR24yUVFNYkY2LUpHaVBqSlhXNExQVk1OajRsSnVXblBwTENVbjFzazk0cVc4Vk50dmJiajU4eUhwOFBfVDdMNFFHZFNRUFA0MFptWnFNWW9HYjlMQTg?oc=5) · obits.robinsonfuneralhomes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21971 (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/19.json (key "21971", 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=21971
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide