# HABERSHAM
Clarkesville, GA · NCUA charter 23054 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/habersham-23054

Who the members are: federal charter, community charter, organized 1978. 4,342 members of 77,712 potential (5.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *auto monoline*. 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 | $24.1M |
| Members | 4,342 (4.4% YoY) |
| Full-time staff | 13 |
| Net worth | $3.4M |
| Net worth ratio | 14.0% (p55 of band) |
| ROA (annualized) | 0.91% (p81 of band) |
| Total delinquency | 0.61% (p45 of band) |
| Net charge-offs (annualized) | 0.26% (p63 of band) |
| Loans / shares | 73% (p70 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p81 of band) |
| Operating expense / assets | 4.69% (p78 of band) |
| Vehicles % of loans | 72% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.34% (p44 of band) |
| Vehicle NCO | 0.33% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 2% |
| Average share balance | $2,741 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $9,115 |
| Loans granted, annualized | $7.0M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | auto monoline |  |
| 2016-09 | 0 |  | auto monoline |
| 2016-12 | 1 | auto monoline |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | net worth falling, margin squeeze |  |
| 2017-09 | 3 | delinquency rising | margin squeeze |
| 2017-12 | 1 |  | net worth falling, delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 2 | delinquency rising | net worth falling |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | losing money |  |
| 2019-06 | 2 | delinquency rising | losing money |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |

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

- 2026-07-15 [Volleyball Preview: Habersham Central (Presented by My GA Credit Union) - blitzsportsga.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9XdExQTFRXX2I2UUp0cnpoeFpoUzd3VTdIdDB6Sm8tTjBRV05GaV80cjI5SkxySWllLTZTMzczcDdESVdRM0tIZUdyLXp0NDdidUo0aHgwMXNjTUgyZ3N1RWU2d1k3QVlTVG9LekFCSjk?oc=5) · blitzsportsga.com
- 2026-03-18 [Habersham school teacher and nutrition worker honored for exceptional service - Now Georgia](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZ3FIcEpsWG1RTkVVbGF1ZmNjTVpXd2dWd0hWSGFaVTZTUllwOG4xM1k5WDlmZFA0NEQ3WWo5SjhpN2RWMld0R2lvclVtQVFoeE1BMUZtY1FfZ2xFbGtlOXpiNzNoTzlsLUs1clBOVk5YaHR6Qjd0X1Z4OGxiQWstX0tyaXpOVndjVjVHTWFfWldMbkNtSDVqTUZSckd3VVBvczM4?oc=5) · Now Georgia
- 2026-01-23 [Pitch Preview: Habersham Central Raiders (Presented by My GA Credit Union) - blitzsportsga.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5haVM1ZVg2dUphTnRBd25DTG45dC1CNVZMSlE2SzRnREMwSnlFWjc5WmhySlh0QlhWMzFobHZuMGUwdFU0N0VzdkdwOGs2Rk9oMXR4Zkx2MEFSQlBQYk9TNUo4SklXZ0VrV2RJTw?oc=5) · blitzsportsga.com
- 2018-05-24 [Peach State Federal Credit Union gives $10,000 donation to Habersham County Schools for REACH Georgia Scholarships - CUInsight](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQNDJoRnBwTmlJbkdRQWZMa250Smh6a2k1TjN1dDZOQnNmbzhRN2o3TlBiNHdOT3liQ3Z6dEl2QjBoUHpYTy1kME5FZXBVY1BVRHljcDdieUZOY0ZyaXRONmJfb3NDbFlEUGFCUDFHcy04S2RrYklnS080d2VvNl9IRXQ2UTI4bEdhcXJzdC1VRDd2U25wWFg1RmVvckQ3X0VqZmNGb2hwSVVFamdqRVNHRkdoME1PdDQ2MXR5VDNHeHdsTHlnaG5zSUFCTm9VOXlDRGlEVjV3QlNKSVhURldmT2diZ3JLZk1w?oc=5) · CUInsight
- 2026-05-13 [Habersham school board honors educators with Peach State Federal Credit Union awards - Now Georgia](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZ3NwYjVCdTlSTV9SdGhhU0xsd2JUVWdMTGdxaU51dG80aVNYbWVZRzNfR1A0cmZOUmtSc05sMHVYVHJYSElzcF9tVTB6OXI1TlE3RkJCT1pXOWhVZkdET0M1VWRheTA0TDdHaFFLdEdGV2ZZUjdpRnhMWk55bHVSSXVuekNDTmdMV0Q5bUN1NjhGdmtQa1I3TWtqQ296UWJaWGRrV1JWSGVsZDhU?oc=5) · Now Georgia
- 2017-03-18 [Hall County Man Sentenced For Robbing Bank at Gunpoint - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPWFhielk3dEFOZ2FOVWtJbFQ2ZjNXazVQRlpuVTdWNGQtakpJbVNGVER3c0lkOGdGc1lNd1lvNXlvdmZjRE5iOE9wb3BaVVhmUWtucjlfV2MxWXU4TEkyNGRrSVQ4bGpaRGhnM0JsVUNJOVNwV3RheFFZWU83dlRZanZQNEFCOGVq?oc=5) · Patch
- 2022-02-04 [MyGeorgia Credit Union donates thousands to local United Ways - Now Georgia](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSUdoUkptcG9GdUJHcUlSX2tVNFl6bWJGMFlkbWVETDAxSnBlbi15MmFqZzdFdF9kT3pLTVFRUGpzOGE5STJaSGx5T0tNa2tGY2ZtdWVoQ1lrbGlqN3JBY2RvQm1rS0pTMHByUE1meWs4TTEtd1VVN3lIZ2VRal9kRm9TUkp5dUp4NlNrLXF3?oc=5) · Now Georgia
- 2026-07-28 [Habersham school board honors Rennels, Barron for service - Now Georgia](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNWl2LUZCOUJha1piU2tvYnBCcFZVSjQxcmJDSHFKSFQtMGduSGNvMWRJbnBMbndlWlBta2RkVmlmdDl2dEJQbmtTQ18yQlRhNWFPQkNTSmFKQmdfWS13dGRkVTQxQzJMNDl6WXdTNmF5WTMwNEZWVVp3a25oZ1J3eGVRakRlVGs?oc=5) · Now Georgia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23054 (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/14.json (key "23054", 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=23054
- 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