# MEMBERS UNITED
Albany, GA · NCUA charter 24933 · asset band $50-100M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/members-united-24933

Who the members are: federal charter, multiple common bond, organized 1934. 7,131 members of 203,834 potential (3.5% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. 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 | $68.6M |
| Members | 7,131 (– YoY) |
| Full-time staff | 27 |
| Net worth | $8.7M |
| Net worth ratio | 12.6% (p75 of band) |
| ROA (annualized) | -0.77% (p2 of band) |
| Total delinquency | 0.51% (p65 of band) |
| Net charge-offs (annualized) | 0.25% (p72 of band) |
| Loans / shares | 32% (p12 of band) |
| Cash / assets | 64.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.61% (p11 of band) |
| Operating expense / assets | 3.46% (p70 of band) |
| Vehicles % of loans | 64% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p51 of band) |
| Vehicle delinquency | 0.69% (p75 of band) |
| Vehicle NCO | 0.11% (p58 of band) |
| Repossessed % of vehicle book | 0.00% (p42 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 24% |
| Average share balance | $4,918 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,088 |
| Loans granted, annualized | $4.1M |

## 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 |
|---|---|---|---|
| 2021-12 | 3 | losing money, charge-offs p90, auto monoline |  |
| 2022-03 | 2 |  | charge-offs p90 |

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

- 2022-03-01 [Janet Baxley Thomas Obituary Mar 1, 2022 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1Vc2pETk50T1ZMQTVWc3FXVDdLOWUxRENSVjdxRDE3bEhmU2ZfZ2thS21Ha2pJbjZ0Zk0xUERXS3drV1Q1V3dkT1lCVndaaW5FSkQxUjgxaTM3bnQxNUg2UGc2OTJtbEV3QUQ3SQ?oc=5) · Mathews Funeral Home
- 2019-09-27 [Albany credit union held up; police search for suspects - WALB](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVVA0MkswczQxTVczQnhjYXlqWWxIV1Z0a1h1NEdEdUpsTjNRVlpGVXdWOUFId21xWnozOEQ3Tkd4UFFKTWROQ0VPekpvWTY0cGx3eS15Xy1JRXREWUdzVXBLaXJPQWZSaDRKY0dqYXh6aW1yMC1fU01YX2dmdGNyUDZodjlfU1FXai1zddIBoAFBVV95cUxORkhSYzA5ZXdtTEhTZlhRLUhweHA2RTVwM2xtMEpyaHNJTVhVc3B0dnZ4RTlMUXdLQXoyNHhQVEVyTElPNmJiYnhzS0pDTGZUVTF1V2REN2dKU3hpTkd2alVLbHVCc2Q2ZnlhQTRTOGNyMUVHcndFR0xMVmFwRjZmUlhzYkVEb0c3dWNBeENiaDhPQ0tiQUg3eW42NnZnYkI4?oc=5) · WALB
- 2012-08-03 [Geneva Irvin Griffin Obituary Aug 3, 2012 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1fek9ybmtmdHN6VXFkZldQN1VfRDZENWlJcVNGSVM2WTRmUWhBdXFXSFNqVDhjbU82QnJxU2szSHF2ck00RjlpTklQTEpjT2YtVnhiSE0wTnhmeHNNRXVHZTVTZlFTTnRMOXdTMw?oc=5) · Mathews Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24933 (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/37.json (key "24933", 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=24933
- 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