# CLINTON
Clinton, SC · NCUA charter 24252 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/clinton-24252

Who the members are: federal charter, community charter, organized 1986, low-income designated. 1,193 members of 66,537 potential (1.8% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *too clean*. 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 | $6.6M |
| Members | 1,193 (– YoY) |
| Full-time staff | 4 |
| Net worth | $913,237 |
| Net worth ratio | 13.9% (p61 of band) |
| ROA (annualized) | -48.27% (p0 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.79% (p80 of band) |
| Loans / shares | 56% (p53 of band) |
| Cash / assets | 36.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | -45.22% (p0 of band) |
| Operating expense / assets | 4.34% (p75 of band) |
| Vehicles % of loans | 72% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 32% |
| Average share balance | $2,235 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 49% |
| Average loan balance | $5,270 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |

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

- 2025-11-21 [THE STAKES COULD NOT BE HIGHER - Blue Hose Football's 10th win - The Clinton Chronicle](https://news.google.com/rss/articles/CBMie0FVX3lxTE1PY1RhUElzSHNHVnc5dVRkd05WRHlGWVVnZkM5cEpnbFJYS19jRUNWYkxKX3VBUUp6QWRBelR2RUFSWkh4aXFzRmpnUHNSZVRUTzFpNWdJSW1wLXJpemxVbVhMVG1KRTdFOWJ5eWFOMFlHbjdlMUlNN1NIcw?oc=5) · The Clinton Chronicle
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2025-09-27 [LCSO, Founders Federal Credit Union hosting free shred day and prescription drug takeback - GoLaurens.Com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPV1BvbWU4ckpHbVJWZjgwY2l2dXBHcm1JUUp6YXBFY2RXdlFqamFiMHVQSGhrdjJIWFVoWUxEZkxsM0kzaXoybEdGVjJPU0Jnak5QVXFjY0ZWNVE3b29zeXFhc3dPRDFLd0l4dDBHVVRJTEVmTDkwUkpWMW1rZy11N1JuMmJJTlZkTC1aekZrNWlSN3ZobnZqMi1QYlRqOUxxSkhqRDV0VTMyazRUYk1VWGEyZzh0TTQ?oc=5) · GoLaurens.Com
- 2016-11-10 [Harold Nichols Coach's Show Continues on Thursday - Presbyterian College - Official Athletics Website](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5kVGFjUVBYcU9ZdkRnQ0tETWNqVnlkdzE5dHhlY0ktQm1sWW4wUXVyWW1FQlRSckh2MTM4dVNBVVk3NVdiX3FNaG13bS1Ua2RIVk5qckFyd19CeGV5M2lrRVFhWQ?oc=5) · Presbyterian College - Official Athletics Website
- 2019-09-12 [Managing the marketing team: Professionals on the move - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxPd3ZzSVJwYTdhbUR6QnY1dzdwelprWE5sdUxRTzBLOTZCWlBDd1JUdmRublJ1b1BlQXJsTzRDbnZJMERPWUNEM09HY0NFWmlzZ25zQmxZZXlRcU5EMl9jak8zSVdvc1BQVjR5MWZpUzJPNmNRSENBekY1LU9ndUZ5Y2ZWOURzeHFjMzh0VDUyUmZiUzExWkpiMjZhTWJXcHRLd20tdw?oc=5) · American Banker
- 2026-09-09 [ACCESS Federal Credit Union announces retirement of vice president - Rome Sentinel](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOcUQxc2F6VFJJVlRtRWt2TTdadUphTE1YQ2hKQXpOVFBxOXlSVXFkLXlHYVVqdTlBMEN5QnR5MGRXT2VHenp0SnpHM1lZb2V4UVIyRmlLdFo5Qmh1TVMzVnVDN3IyaEd4YXlMVHoyUEQ2N3FvOGpQblhfTzF0clk5RGF4UWVPX0JsWkpWQWh2WUh1emVpcjMyeTBXSFR4WmtCUUVqNl9HVmFDMnd2d24zcUdHUExtRS1HdzJfeFRkcWZCTzRrUnN1a1IwdFg3RC0tZmJNcDNUZ0gtQlJOTUphYjFyblE?oc=5) · Rome Sentinel
- 2023-10-19 [James Thomas Floyd, Sr.'s Obituary - articobits.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOTXhJLWNlZVNWM3VvNUY3UUFiU09zb2UtbTBPTnVMNmEwV1QwYThyY2VCZy1sWEp1MzU5bXk3c05PUlB2ZWxNY2FXMzYtb0IyTmg2OWlxTGYtVWxpU3U2eUJBeVFNRmVuNGU3ZVJBZHVNeVBLWXRDblhhcC1QZ0t5TnZ4bUY?oc=5) · articobits.com
- 2012-12-03 [Clinton Simkins Foreman, Jr. Obituary Dec 3, 2012 - Shellhouse Funeral Home, Inc](https://news.google.com/rss/articles/CBMib0FVX3lxTE90RWxCUEpKWWpFQjlGOWJ6b3cxLWVFMjVTV3ZhUWtVUWlmaE91VlJBRUZidGUzRWxZT1hBU3RzaWFVV05tTms0Y0JqS3Q1bjJIT1lZSzAwbUx1ajlRQ0tMZE05dlMtdVpIRTh5M1NJbw?oc=5) · Shellhouse Funeral Home, Inc

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24252 (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/60.json (key "24252", 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=24252
- 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