# OMEGA PSI PHI FRATERNITY
Toccoa, GA · NCUA charter 24234 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/omega-psi-phi-fraternity-24234

Who the members are: federal charter, associational, organized 1986, low-income designated, minority depository institution. 2,316 members of 30,000 potential (7.7% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 6.

**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 | $5.5M |
| Members | 2,316 (-4.5% YoY) |
| Full-time staff | 0 |
| Net worth | $499,888 |
| Net worth ratio | 9.0% (p10 of band) |
| ROA (annualized) | 1.24% (p79 of band) |
| Total delinquency | 0.54% (p45 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 40% (p25 of band) |
| Cash / assets | 59.8% |
| Borrowings / assets | 0.90% |
| Net interest margin | 3.76% (p45 of band) |
| Operating expense / assets | 3.61% (p49 of band) |
| Vehicles % of loans | 56% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 0% |
| Average share balance | $1,564 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $576,970 |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $14,430 |
| Loans granted, annualized | $292,000 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $576,970 outstanding purchased (115.4% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 | thin capital | delinquency 2x band |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 2 | delinquency 2x band | thin capital, net worth falling |
| 2017-06 | 2 | thin capital, margin squeeze | expense trap, delinquency 2x band |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency 2x band, delinquency rising | margin squeeze |
| 2018-06 | 6 | capital below 7%, losing money |  |
| 2018-09 | 8 | net worth falling, charge-offs p90 |  |
| 2018-12 | 8 | loan book shrinking | net worth falling |
| 2019-03 | 8 | margin squeeze | delinquency rising |
| 2019-06 | 6 |  | losing money, margin squeeze |
| 2019-09 | 7 | margin squeeze |  |
| 2019-12 | 5 |  | delinquency 2x band, loan book shrinking |
| 2020-03 | 3 |  | charge-offs p90, margin squeeze |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 5 | net worth falling |  |
| 2020-12 | 6 | loan book shrinking |  |
| 2021-03 | 6 | delinquency 2x band | loan book shrinking |
| 2021-06 | 7 | delinquency rising |  |
| 2021-09 | 6 |  | delinquency rising |
| 2021-12 | 2 | leaning on borrowings | thin capital, capital below 7%, net worth falling, delinquency 2x band |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency 2x band, delinquency rising | leaning on borrowings |
| 2023-06 | 1 | auto monoline | net worth falling, delinquency 2x band, delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | thin capital, net worth falling |  |
| 2024-06 | 2 | delinquency rising | thin capital, net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | members leaving, loan book shrinking |  |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 4 | delinquency 2x band |  |
| 2025-09 | 1 |  | auto monoline, loan book shrinking, delinquency 2x band |
| 2025-12 | 1 | charge-offs p90 | delinquency rising |
| 2026-03 | 2 | net worth falling, members leaving | charge-offs p90 |

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

- 2023-02-17 [AKA, oldest Black sorority, launches digital credit union - AJC.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNZkxxZVozd2ZpVkZhcFZqRlctTlBlakxmVHh0WTBUNTRUb1NHbzU5Nm9EWmtITWdvWTdkdjJ1anUxUkNTb0hnd1lZS3dJTGxaNzFEZWFRUUdJaHhxTjMtWE96VmZUdWc1a20tVEhjYVY1YUN2T1JRMF9SYXZhVjBFNko2UU9Pb1pXcS0xeHk1czNLeTV2cjRRVmZxdkRxWk5lcnhHQlh0S1Y3YUJqWXZQMGxtM1VjZFdTQzBKd1NR?oc=5) · AJC.com
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2021-02-12 [Black-owned and operated banking - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdmpjWFg1cnNONDJnbHRjWkpjSXBxTXdZbTZrbWhfMHpiOThqYi1FTDRIQ1UybWdIcjM2cmphOHpMWmFUeUhMdTVidWxveGNfQXdJdDVYcDlGd0w4a1g0N1dhUVZiU1dUR3k0Y2MyYnk4NU9qXzhwd0JOSFpDNUxaRkRRZnM0N0lDM1lLbWtPal9zZGo2R05WU3h1Zi1UZ3fSAaQBQVVfeXFMT0ZuX00yak9xZDFIRDhpUlo0bHFuV0VvamlEZnkzWjRpQllsWXpucTNjTkxxMmtvRmExMTZSZXg4bWtaZDdVZVNuUzk4a1RZaWI2VFFtUDRkQUJmSDZqV2pqeFVrWDB6V04zQmhLZDdLbTU0UzZ1Um1tekVrbDlFdjlwTHhyX3lCSE13ZHlUcThTaDlUNVd3VWMtSVVwRTVzbWgzNjY?oc=5) · FOX 5 Atlanta
- 2024-04-10 [Rev. Dr. Milton Fitzgerald Dockery Obituary Apr 10, 2024 - Draeger-Langendorf Funeral Home & Crematory - draeger-langendorf.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE11dWhBWFZaRk5oUGtUbTFfazZLbld4SklPVkw4cUdBZk12X1lJMkQ0NWkxd1N3bmFJekFGNUJwWngycy1rMzJ4SnFEcW9iWS1HZk9oNjRKZDl1VUFwVWZUeGE3cXRxVnE5dnVDOA?oc=5) · draeger-langendorf.com
- 2025-02-25 [Seeking aid for higher education? List of scholarships for Middle Georgia students - Macon Telegraph](https://news.google.com/rss/articles/CBMickFVX3lxTE1yYlFXQXV3clRxaVNDeW80TXVnN2VINkpoeEVIYzdNaE9ieHR4c3JEQXhaQ1RzUUV6SGhLWkNkdUhienM3cUNOdWd3T0dPNG9NX2ZWdElZX0dGOEgtaG9WbWNhU1ZUbW90YWp5RGVjSGpNd9IBckFVX3lxTFBpNzNwcmFON2M0THZZaWRoT2xlT20wOEplbVNTNjByb0VhMHZydm5La2tMc0hIdTRlazRkTWw0WllBQUVNdGl6R1hablU0d0dqWjU3QVBOWFN6TGVGUTNrUEpEcExDVjVENGQxQm16N194UQ?oc=5) · Macon Telegraph
- 2023-05-17 [Emanuel County Institute Senior Honors Night - Emanuel County Live](https://news.google.com/rss/articles/CBMikgFBVV95cUxQM29IcEczWldzU0MwWDY5YUlkRENKYm5xV29KbW9fTHdGSVRMLU8xdVo5cW9mWUdteXRMbzJUallqVmhNcGItSlo4WEhxSVlpOW1WRVdER3hHSjhIY1NhaTJxMXgyOEwzek8tdWVJeFIzaXJhUXdRYXZ3RnFfdkpNc0t6T19UX1d4N1NoclZGR29GZw?oc=5) · Emanuel County Live
- 2021-10-14 [Henry Daggett Obituary (2012) - Augusta, GA - The Augusta Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNV3I0RWd6eGdydURQeV9yQ01GUUZXcVVRdTF3VGN3NzdBRnFoM2dMWk1iOEpCYW5TYnRzMUJLdnRXeDlPOHRqX0Jwc3o0TDBtbnhNdTJTeXhBNGpyZGdOSUJsNXNmdTRGZ1ZBQlhNYWRISEZOSU9IZGx6djM1WjlPcGtaaHJSOXRwdDQ1Mzl6UGRDZXhYbWxEeg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24234 (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/42.json (key "24234", 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=24234
- 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