# BROOKLAND
West Columbia, SC · NCUA charter 24623 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brookland-24623

Who the members are: federal charter, associational, organized 1999, low-income designated, minority depository institution. 1,167 members of 5,000 potential (23.3% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.1M |
| Members | 1,167 (-7.1% YoY) |
| Full-time staff | 3 |
| Net worth | $587,608 |
| Net worth ratio | 11.4% (p26 of band) |
| ROA (annualized) | -0.96% (p11 of band) |
| Total delinquency | 2.11% (p79 of band) |
| Net charge-offs (annualized) | 0.17% (p62 of band) |
| Loans / shares | 63% (p57 of band) |
| Cash / assets | 41.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.08% (p88 of band) |
| Operating expense / assets | 8.28% (p96 of band) |
| Vehicles % of loans | 89% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.23% (p82 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.12% (p93 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 9% |
| Average share balance | $2,753 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $15,007 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, capital below 7%, expense trap, delinquency 2x band, repo signal, auto monoline |  |
| 2016-06 | 8 | charge-offs p90 |  |
| 2016-09 | 4 |  | capital below 7%, repo signal, charge-offs p90 |
| 2016-12 | 5 | repo signal |  |
| 2017-03 | 8 | losing money, charge-offs p90, assets shrinking |  |
| 2017-06 | 6 |  | losing money, charge-offs p90 |
| 2017-09 | 6 |  |  |
| 2017-12 | 9 | capital below 7%, losing money, margin squeeze | assets shrinking |
| 2018-03 | 8 | net worth falling | losing money, margin squeeze |
| 2018-06 | 7 |  | net worth falling |
| 2018-09 | 7 |  |  |
| 2018-12 | 4 |  | repo signal, capital below 7% |
| 2019-03 | 7 | capital below 7%, losing money |  |
| 2019-06 | 6 |  | losing money |
| 2019-09 | 7 | assets shrinking |  |
| 2019-12 | 5 | repo signal | capital below 7%, assets shrinking |
| 2020-03 | 5 | assets shrinking | delinquency 2x band |
| 2020-06 | 5 | margin squeeze, delinquency 2x band | repo signal, assets shrinking |
| 2020-09 | 9 | capital below 7%, net worth falling, delinquency rising |  |
| 2020-12 | 9 | losing money | delinquency rising |
| 2021-03 | 8 |  | losing money |
| 2021-06 | 6 |  | delinquency 2x band, net worth falling |
| 2021-09 | 8 | delinquency 2x band, members leaving |  |
| 2021-12 | 7 |  | members leaving |
| 2022-03 | 5 |  | margin squeeze, delinquency 2x band |
| 2022-06 | 9 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2022-09 | 4 |  | capital below 7%, net worth falling, losing money, delinquency rising |
| 2022-12 | 4 |  |  |
| 2023-03 | 7 | net worth falling, losing money, delinquency rising |  |
| 2023-06 | 6 | assets shrinking | net worth falling, delinquency rising |
| 2023-09 | 7 | charge-offs p90 |  |
| 2023-12 | 6 |  | charge-offs p90 |
| 2024-03 | 5 |  | assets shrinking |
| 2024-06 | 5 | repo signal | delinquency 2x band |
| 2024-09 | 6 | delinquency 2x band, delinquency rising | losing money |
| 2024-12 | 8 | members leaving, loan book shrinking |  |
| 2025-03 | 7 | margin squeeze | thin capital, members leaving |
| 2025-06 | 7 | thin capital | repo signal |
| 2025-09 | 6 | repo signal | delinquency rising, thin capital |
| 2025-12 | 3 |  | loan book shrinking, margin squeeze, repo signal |
| 2026-03 | 5 | losing money, members leaving |  |

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

- 2002-04-16 [Brookland Baptist Church Celebrates 100 Years of Community Service - House.gov](https://news.google.com/rss/articles/CBMivwFBVV95cUxPWnYyV3IwWktZbXp2TzNTVUhnWGE3QkFEUldHbkptSWtLbWVkX1AwTWthc3ExTU9FTEtta295eC1YNFk0cFlXZnBfS0tiX1BWSWxfYWNsY1ZldFZvS09qd3lUa2FfamdkeUNTaFJ1RDNCTTFmZ0wyNTViUF9Tbk8wT2dqS19UQ3U0Q1VuMEZzRUljRkc4M042S3NBOHBuc0xCTzkzN0tJVThUSTNhajQwVVFHaEZRbzAteThPWnBSSQ?oc=5) · House.gov
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2023-05-30 [Joyce Conyers of Brookland Cayce HS named Palmetto Citizens FCU Youth Financial Educator of 2023 - CUInsight](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNMTJ6VTBLRF8tU0pnMHkwTjB4TWVUcUdVNFRnZXRaZnEwRl9FRWY5OTVGdjZ6UElTNHRhMkxSUnRyMDBYZGtCQTQtcEx3V0FtRUxQaExTZ01RR1l3dDl0XzFQXy1jUG1ST3dwTjRBa2U5TnUtSjhCUS1aaXFuaWRWNHVQMnlua1pOZEZMbmw4UUI1THZJYU5rS3VnZS1sSy1Jb2Z4dWZwSkV6S29COXpaNERNYUs5YzZOSjJFNXFLeEcybmIwX3JhZUgxaFJYOHpJaGpV?oc=5) · CUInsight
- 2026-03-01 ['Carried the mantle': Brookland Baptist reflects on Jesse Jackson ahead of Monday memorial - WLTX](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQbi1YZG5fRTRRN2F0UDdxZ2IzUW9qcXhqSlhQMFdiMldndVFkM0hWbjJwNFExSTVuWThONkJ0cXhZR0lzRV94Mlc4SDlnSWlCaVhUQXM0aTF5azRidFZQbUtvNkxNUGJQVms5TGxDVzhtRVlmMF9fcXkwN0NxMlhRNHpYN3UzOU1aYXNRVWtTZjhiVm9sd09kYUpsTjBLQnNneXl6M01YU2pncHdUeE1nRDZ2OEh2aGFaY3ZQYllfQzkxazJEZ0l3UlVLVmFxeVl4ZVow?oc=5) · WLTX
- 2021-02-26 [‘God is wanting me to stay here.’ Why West Columbia pastor invests in church for 50 years - The State](https://news.google.com/rss/articles/CBMib0FVX3lxTE9zZUlxWlZPdWNfc091bnVleVBlbWxYMGNoT0E5MEZQSnZOdkRMQXNNLXExVEd0bnhsSlVGMkxsVTZKRXEyemtYWnoxdGdTME9FZi1qOXJCR0VxYzBEWUtSNS1LQVFRZlFDby1FcXhkZ9IBb0FVX3lxTE9tejFxZ1dIQ2N3WjhoX28yNXBrMEtsU2dkbzZCZWpJZDNJU3Fsb3NFSnNNLS0ya3M4LTNSRGRFM0FzLTVFYW1qdjlMYW16UDNMazVtX2JMQkNuT3QtcFI3VGxBX2hkeWNhX2ZMNTkxSQ?oc=5) · The State
- 2021-10-18 [West Columbia's Charles Jackson Honored for 50 Years by Brookland Baptist, Dignitaries - Lexington County Chronicle](https://news.google.com/rss/articles/CBMiywFBVV95cUxNam1GWWo5aDcxTkJWRnRsdGRROTRPczZyXzlWWGZQcWRQSGJ3Szg0VUhGYmxVaF81S2RzZ24wOGVWa0RTQVJGYndNVWE2QnRkdEJfOXZtSmFlNXQxZ2ZQNHR4ZlRPNnBiMDhpZm5vT29aLVF5QzQ4X1A1LWVZMjlfSm5lSUVqaHkzSGxVbDYwUkRhSHR0cHRqNDd1NmVLcFBtQ245YTBsQXA5ZDZhQUR3R3BNcmItWTlmSDlyMVVXdHZMWERua3VEVnZKbw?oc=5) · Lexington County Chronicle
- 2018-07-02 [Clinton native to lead SC vocational department - Sampson Independent](https://news.google.com/rss/articles/CBMijAFBVV95cUxPTDJRQkxHWmVvR3Exa0NzRlJfalNsQUlaeWk0ZFFtLWpzbWFUVVk1QzlWRDRvQlNIcC02bXNqcXNrX3VHWGhndjYyM2J5S3ZtTHZ0TkREM3JDRUZKVDFNU3U3Mjg1TG5uVXFXUVREM1NWRXZrNkpCdW9WOHpxMGRXUFNMNnZqY1ZFd3UwMdIBkgFBVV95cUxONXV1czNwZjE1UjRqMTlObTlrRkFlekNmOE9NMDI4aWJPZXBSODZNWE40enhIN2tQa1ZITE5QcmxDTVo5aTVWVlBHR0hFSlFsY1IzeUNuczFSTUtpS3o1Z1h0RjVEZFFtbWpadFBoWFpkdVJsbFgxSWVWdFZWbURlekZVN25RZkVWZzNyRDJmMHNhQQ?oc=5) · Sampson Independent
- 2005-11-14 [Faith Matters: Mega churches gain popularity in Midlands - WIS News 10](https://news.google.com/rss/articles/CBMilwFBVV95cUxNbmoybk8wckZZS2dsVUdpbUluZldvMG1yT2NrdTgtOWJMeVU1TndfZkstMlNKMEt3XzExd3R3X3NuVWNwTHZkLTMxYkxlNXl2NDdRQVN5VzlWNWR3OGdPX2lzOVdQSkhqSEJkbk8wREsyVzZZcFNpYTg0STUwZk5yRmEyeDJaWkxIQjNoLU54RU8wMFdBal930gGqAUFVX3lxTE1qeEI1U1F6S09HRE94OHNzdmI3T0FqVGRMRWJHSkgxb3RFUy1mbkFlRGtsNWpMbTk2RzhIMDNNX2lHTnVGZWhYZGduNkpFNjZXVldhVk1LT181X2Y0bWdCaVJZSHBQZTlyOVRoaGticWxlamdGdWNUYzJIT3ZnOVZ0NEJKYW5rMVRKRVc5ODBmcXZQaXlfMkxJTDhTUUdGcXhSdFlhQm9HSkt3?oc=5) · WIS News 10

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24623 (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/47.json (key "24623", 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=24623
- 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