# SOUL COMMUNITY
Austell, GA · NCUA charter 24968 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/soul-community-24968

Who the members are: federal charter, community charter, organized 2024, low-income designated. 21 members of 200 potential (10.5% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $308,500 |
| Members | 21 (– YoY) |
| Full-time staff | 0 |
| Net worth | $308,000 |
| Net worth ratio | 99.8% (p100 of band) |
| ROA (annualized) | 0.00% (p22 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.00% (p0 of band) |
| Operating expense / assets | 0.00% (p0 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $24 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |

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

- 2025-07-01 [NCUA closes 2 credit unions in 2 days - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxQalp4a3lDWDF6WWc5ZjJGY0tqSlg5UDV6czhORFAxVWhQZU1YS2F0QURwWlJSWW5BbXNYSGVpWHdpczAxM0g1dFlER21pV2dWR1lYZ2ZGSWtXS2pCUHU4OGFoVUdrTk5oQXJIdlp5MzJ1ajRhYkhHTkZKem5ER2dMa0dNWXhReXRrMVQ1dnNhak1xRVdEVFZ1NFRJbkFQaGZJd0E?oc=5) · Banking Dive
- 2025-12-05 [All the Banks and Credit Unions That Failed in 2025 - U.S. News & World Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxORWgzQ0UwU1QtamFOSUV2VkNBM1VMZGxabDZtWGtwT3dlb19Sa25nRjR0dVo2eExQNWoxcEgwMGV1WjRGSWJ0Rzd2cmZCdzZsNmVKN0JxTUF3dkNZM2w5aDRHMEpZY0N5RldKYjlLNlVZUml5aHFid1lIWktQMi0tYkROVkU5d29oU05BZ0s5TVJtU2NxQlE?oc=5) · U.S. News &amp; World Report

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24968 (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/8.json (key "24968", 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=24968
- 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