# ABBEVILLE COMMUNITY
ABBEVILLE, SC · NCUA charter 24842 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/abbeville-community-24842

Who the members are: federal charter, community charter, organized 1971, low-income designated. 1,711 members of 25,000 potential (6.8% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.7M |
| Members | 1,711 (-0.5% YoY) |
| Full-time staff | 4 |
| Net worth | $1.5M |
| Net worth ratio | 12.1% (p50 of band) |
| ROA (annualized) | 0.40% (p59 of band) |
| Total delinquency | 1.75% (p79 of band) |
| Net charge-offs (annualized) | -0.09% (p9 of band) |
| Loans / shares | 75% (p79 of band) |
| Cash / assets | 32.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p87 of band) |
| Operating expense / assets | 4.65% (p88 of band) |
| Vehicles % of loans | 71% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 1.36% (p77 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p47 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 | 98% |
| Certificates % of member funds | 2% |
| Average share balance | $3,691 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $10,687 |
| Loans granted, annualized | $5.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, delinquency rising |  |
| 2017-06 | 3 |  | expense trap |
| 2017-09 | 3 | expense trap | net worth falling |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | assets shrinking, loans>95% of shares |  |
| 2018-12 | 3 |  | assets shrinking |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 5 | net worth falling, delinquency rising | assets shrinking |
| 2019-09 | 3 |  | net worth falling, delinquency rising |
| 2019-12 | 4 | margin squeeze, delinquency 2x band, delinquency rising | expense trap, loans>95% of shares |
| 2020-03 | 4 | net worth falling | delinquency 2x band |
| 2020-06 | 3 |  | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 4 | losing money, margin squeeze, delinquency 2x band | net worth falling |
| 2021-09 | 1 |  | losing money, margin squeeze, delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | margin squeeze |  |
| 2022-06 | 2 | net worth falling | margin squeeze |
| 2022-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |

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

- 2025-12-17 [Jed Smith Obituary Feb 23, 2022 - harrisfuneral.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1NLW45WnkxOG84ZXhEcTljWXBQSV80MFJHSVJicnJkVmM5Z0hhQlNBTWlmT2VacXhpMEZrRGtURy11Rkx3MThhWF9JS0xYeW9Bejc1ckU2RWdMTExFR2o3THBfTnNQZWRs?oc=5) · harrisfuneral.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24842 (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/10.json (key "24842", 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=24842
- 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