# SOUTHEAST
CORNELIA, GA · NCUA charter 22215 · asset band $50-100M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/southeast-22215

Who the members are: federal charter, multiple common bond, organized 1975, low-income designated. 7,520 members of 68,916 potential (10.9% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *fortress*. 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 | $64.3M |
| Members | 7,520 (2.5% YoY) |
| Full-time staff | 35 |
| Net worth | $10.2M |
| Net worth ratio | 15.8% (p88 of band) |
| ROA (annualized) | 0.95% (p87 of band) |
| Total delinquency | 0.10% (p7 of band) |
| Net charge-offs (annualized) | 0.15% (p27 of band) |
| Loans / shares | 88% (p88 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p84 of band) |
| Operating expense / assets | 4.83% (p89 of band) |
| Vehicles % of loans | 40% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.11% (p14 of band) |
| Vehicle NCO | 0.15% (p29 of band) |
| Repossessed % of vehicle book | 0.31% (p93 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 30% |
| Average share balance | $4,315 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $9,301 |
| Loans granted, annualized | $15.6M |

## 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 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |

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

- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info
- 2026-08-27 [Aug. 27 - Palmetto Citizens Federal Credit Union Opens Four East Georgia Branches after acquisition - Savannah Business Journal](https://news.google.com/rss/articles/CBMikwJBVV95cUxPNzRrVE95MTROUE8tS3dlWjJIMWF5aEhhNkV4enh3bWxzUFZEUXhXRkcwam5NRWJIS0xFRWtTX1o3ZVViTi1wX2JmSE5DV3JhbURNNjlxYkYtQXlnalI2SVZkUDdpbVZrT0E5ak1wN01ROE1sZ0tmbFljdzRIU1RsZXR2NHotMmFuc0Z6TkJMY281UUN3VzNZeHBHdWhxTGY3MWtmZlhEd2JIdFBtZ09PNlVxTUhld1Y4OUZNRl9RRXI1Qlp6SzhrVjF5TFlvOEcyVmxwT1ZISlV1VXo3MV9mSUZwTU9BM1hyY3JUM3ZLb0d5djQ4SlRyVmRmbDBSU1FaZXVRbDAtXzN0Q0ZxWkRNZURVQQ?oc=5) · Savannah Business Journal
- 2025-11-19 [Florida credit union to buy Georgia bank - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxQZTNDNkZLY2FXVC1nOHV2UHVIMVZSYjA3TDE5RnFlVWFzd1ZtdFJQY1Z6X0dZMF9QNlNjWjhUSzJVeG9BalI0SXVDTXQ5Z215bVB1Ym9zX2lnNXVHc2NLbkpGako4YjJ1Q0YzZWpzMl9oYWFNUU9XV1lRS1FlVW9xUTlHdS0?oc=5) · Banking Dive
- 2026-06-20 [Leadership Southeast Georgia celebrates the Graduation of the Class of 2026 - griceconnect.com](https://news.google.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?oc=5) · griceconnect.com
- 2025-11-18 [Community First Credit Union of Florida announces deal to buy First Southern Bank - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMiygFBVV95cUxPeXRyT0Q4Q29qVlFuUXAwOWhwUldUZlNsZXlKZlh4eWIzQnQzOHNjTWJWeUtfdHFWYjc2bU5FUWRYMmpZZm1FWnlnejVXaVJlS0lfTlV5d0Z4dnNmQUduXy1oTElBemctOG9pVFFwZnNBbGowb2ZxUVpGalRvUUtxV0owQjVKYzlmd2ZqREFpS3ZMV3VhZHNKbkR4YWx1UEVpUXJObGQwV3E4WHZINnI2RVZTVFh1alJjMEFoMWJXSFJBYTQ5R3Q0OVhR?oc=5) · Jacksonville Daily Record
- 2025-10-15 [Best Banks and Credit Unions in the Southeast for 2026 - money.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5uM0ZJS3hRYkY2UzhhWlFKRVpzdEN6WGMtTGl3U1luUHpIeDVWMnlEVWZlQWZ1WnJvYTFRRFlNVHgzVDFnVEZtbkpOTmVpaXJxak9HNHJrVWMtSmRheFhmcVd6SDY1RndH?oc=5) · money.com
- 2026-05-25 [LIST: Memorial Day observances across Northeast Florida & Southeast Georgia - News4JAX](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNalcxTzlfbjBWckJqSnVhaEVkRFNfbVE5MWtsRFlTOXhFV1F0NWFaQUhzTzhtSWdNb2ZoTXRYYl9VbHZkZTYyVTZuV2p6MWJxN0c3WTMyeHNlS0p3UFlhR0VyV0MwbHdoM29tamJhd3ZLZWd6X19GbVNyUkFSMnJRSjRrRk9kZ0ZTY3RtXzFfNzB3RGhnMFB1ZGlPUGVyZ2NsTWR1Z3RQa3dyRWItVjFZeWJTZko4YlU0clpn?oc=5) · News4JAX
- 2026-03-06 [VyStar Credit Union Secures Naming Rights for New Port Wentworth Amphitheater - TicketNews](https://news.google.com/rss/articles/CBMiigFBVV95cUxOREQteTBJTUhQY1RqNk5uYzlMTXVXWnA4TDljTG9IRVJGVU1aSHliS1hXWFNsV3pjZzNtZGgxMDV2NVZqQ0JTVDlXTkJ3cnNTa2hkcS14cE9RNWNUa0NIaHVrOEd2dzl6a0JmZS05eGt1TXg3VFhSN0o1YzQ0RVFhZGFRNl91OWw3aFE?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22215 (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/7.json (key "22215", 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=22215
- 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