# PLATINUM
Duluth, GA · NCUA charter 24631 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/platinum-24631

Who the members are: federal charter, associational, organized 1999, minority depository institution. 13,839 members of 100,000 potential (13.8% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $389.9M |
| Members | 13,839 (9.4% YoY) |
| Full-time staff | 75 |
| Net worth | $37.2M |
| Net worth ratio | 9.5% (p23 of band) |
| ROA (annualized) | 1.36% (p86 of band) |
| Total delinquency | 0.28% (p20 of band) |
| Net charge-offs (annualized) | 0.59% (p70 of band) |
| Loans / shares | 74% (p48 of band) |
| Cash / assets | 19.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p14 of band) |
| Operating expense / assets | 2.47% (p12 of band) |
| Vehicles % of loans | 41% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.42% (p37 of band) |
| Vehicle NCO | 0.19% (p20 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 149% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 32% |
| Average share balance | $13,879 |
| Participations bought / yr | $0 |
| Participations sold / yr | $7.8M |
| Participations outstanding | $8.9M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $44,631 |
| Loans granted, annualized | $112.9M |

## Participation posture (from the same filings)

Bought $0 and sold $7.8M in the latest annualized quarter; $8.9M outstanding purchased (23.9% of net worth), $12.1M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 17.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | net worth falling |  |
| 2017-12 | 1 |  | delinquency rising, net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 1 | thin capital |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 | net worth falling | delinquency rising |
| 2019-12 | 2 | leaning on borrowings | net worth falling |
| 2020-03 | 1 |  | leaning on borrowings |
| 2020-06 | 5 | capital below 7%, net worth falling, margin squeeze |  |
| 2020-09 | 6 | delinquency rising |  |
| 2020-12 | 4 |  | net worth falling, delinquency rising |
| 2021-03 | 4 |  |  |
| 2021-06 | 1 |  | capital below 7%, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | thin capital |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | thin capital |  |
| 2024-12 | 1 |  | thin capital |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24631 (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/55.json (key "24631", 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=24631
- 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