# FLORENCE DUPONT EMPLOYEES
FLORENCE, SC · NCUA charter 22384 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/florence-dupont-employees-22384

Who the members are: federal charter, multiple common bond, organized 1976, low-income designated. 3,629 members of 9,000 potential (40.3% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.9M |
| Members | 3,629 (– YoY) |
| Full-time staff | 9 |
| Net worth | $501,060 |
| Net worth ratio | 1.4% (p0 of band) |
| ROA (annualized) | -7.26% (p0 of band) |
| Total delinquency | 15.20% (p99 of band) |
| Net charge-offs (annualized) | 10.74% (p100 of band) |
| Loans / shares | 66% (p67 of band) |
| Cash / assets | 30.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.97% (p80 of band) |
| Operating expense / assets | 3.09% (p42 of band) |
| Vehicles % of loans | 74% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 17.27% (p99 of band) |
| Vehicle NCO | 15.57% (p100 of band) |
| Repossessed % of vehicle book | 2.49% (p100 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 38% |
| Average share balance | $6,059 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $8,376 |
| Loans granted, annualized | $350,800 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 8 | thin capital, capital below 7%, losing money, delinquency 2x band, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 8 |  |  |

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

- 2021-06-15 [South Carolina Federal Credit Union: For the Members, by the Members - Mount Pleasant Magazine](https://news.google.com/rss/articles/CBMirwFBVV95cUxPX0FRTE13Q3dwTldxbUh3VVZWM1Z4YldENkhTZXZMUWhlYXhUOHBUOHpNZlBwTExrY0NRT1ZSVmtabVNuX00xRXdZeWhUTGI1T0hqbnp1bU1Bb2FGNzN3d1NUcy1ITWt6TTlBUDlDMjRsTDh2aW5YcXBRaGRTZWEwWENWTWRySnpjY3hURDRORDFNOXQ5TEctT2FHaFlPaGliY1dSY0xIWFlaaEl4a004?oc=5) · Mount Pleasant Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22384 (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/48.json (key "22384", 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=22384
- 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