# GP
Rome, GA · NCUA charter 365 · asset band $100-200M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/gp-365

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 9,593 members of 459,973 potential (2.1% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 69.

**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 | $143.7M |
| Members | 9,593 (10.1% YoY) |
| Full-time staff | 23 |
| Net worth | $6.9M |
| Net worth ratio | 4.8% (p0 of band) |
| ROA (annualized) | -0.23% (p5 of band) |
| Total delinquency | 0.69% (p48 of band) |
| Net charge-offs (annualized) | 0.30% (p46 of band) |
| Loans / shares | 76% (p59 of band) |
| Cash / assets | 20.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.34% (p4 of band) |
| Operating expense / assets | 3.08% (p31 of band) |
| Vehicles % of loans | 62% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 41% (p54 of band) |
| Vehicle delinquency | 0.23% (p19 of band) |
| Vehicle NCO | 0.09% (p14 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 43% |
| Average share balance | $8,623 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $15,602 |
| Loans granted, annualized | $50.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 2 | thin capital |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 4 | delinquency rising |  |
| 2017-09 | 3 |  | delinquency rising |
| 2017-12 | 2 |  | losing money |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | delinquency rising | thin capital |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 4 | thin capital, net worth falling, members leaving | delinquency rising |
| 2020-09 | 3 | loan book shrinking | thin capital, net worth falling |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 4 | thin capital | members leaving |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | delinquency rising | loan book shrinking |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 4 | net worth falling, losing money | margin squeeze |
| 2022-06 | 2 |  | net worth falling, losing money |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | net worth falling, delinquency rising |  |
| 2023-09 | 3 |  | net worth falling |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 7 | capital below 7%, net worth falling, margin squeeze |  |
| 2025-03 | 7 | losing money | delinquency rising |
| 2025-06 | 7 | delinquency rising | net worth falling |
| 2025-09 | 6 |  | margin squeeze |
| 2025-12 | 5 |  | delinquency rising |

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

- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2024-02-01 [Atlanta's 500 Most Powerful Leaders in 2024: Business - Atlanta Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxPenA3YzJlUU40VDd2MTVyZFBHSTlsdXNnTU1VZkVtWU1pMG9BZjJoWnJ0Y0NHNUpPeWtJUFZ6QUlOOXVWLTQzYjVDVzI1Vk5BakNSZzFsWURTUV9ZMmYwYnM1bkpHZDZScmxlOW5pSjBTX2M4ZUNTZXROalN5TkUzU2pvUExNWjA?oc=5) · Atlanta Magazine
- 2024-02-28 [Merger Update: CEO Comp Nearly 10% of CU’s Assets. A Big Explanatory Infographic. A 1,000-Mile Reach, & More - cutoday.info](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPRDQxV1lUT2pEbnJQRDk2TVpyU0czbmkzMUh6a19XYTYyZVM5LUdpMWhYc3VrQi1XYUV3dHVZbWszRHlPRzNqTXZYWEMxSE1DZDZIelh2cjZ4YkFETmQxaW1QdW1NZDhOR2Y2WnJNT0d5YkVzWi12NWZHTmNoOFNXLThyWmZBMHRyQ3V6UkV1QW5EZTllakt5N19hZjVYdjl5Ymx2cXdGa3hIS2hNellwRWJOQ2JYNV91a20zekZZWmQ0WUMzQ2swVkhOTVllbWZXTTNLeXo1djR2V2xHM01KTmVYM3FnYkJHbXlFdkUyTkE?oc=5) · cutoday.info
- 2025-03-28 [Check fraud leads to 28 felony charges - Times-Georgian](https://news.google.com/rss/articles/CBMiygFBVV95cUxNOFNNclBJbksxakZoODV5MGlIak1CNUtLOW5tald6WGFIYy1yUDM5bGoxODBhaU9BNVJmbDI4d0RVMVNNb2ZsQ2FZd05DLXcyRUxrNHhzMW55eExXMUVFQ2tNNVpiQmlUUHJfNm5LdENhb09wOFBTaTZ0N081aDM1d0R2MUpWUUdybDYtbDNMb1Z4bVgzeGNCYURGSjduMnNFY3pQZDR4MktLbl9TVEpMZTBVZl9mMTcxc2ZJdXJfMkx0ZDdRcEpxUzhR?oc=5) · Times-Georgian
- 2025-05-19 [Carroll County Schools Honors 2025 Valedictorians and Salutatorians - The City Menus](https://news.google.com/rss/articles/CBMipwFBVV95cUxPU2oxRmVsckYzOUNlcE9NNGg0SHJJLXgwN3luMWx6M3R4azJzbDJhRDBqSzZETGZmYjBlZnlMLWJVVGlKaHBNVjduWGNvNnkybG81cS1yQTFOT3lmY200b3ZBbk5aWlBEME85MnJrMnA1c014NlZoRmxpZEZULXNIdHBRMUJ6MVdjU2dHZktPSzUxWXpHMFVlZHk1VHRzWnlnc3ZtamR4TQ?oc=5) · The City Menus
- 2025-09-23 [51st Annual Sum Nelly Festival Returns to Summerville October 4th - AllOnGeorgia](https://news.google.com/rss/articles/CBMisgFBVV95cUxNb1BLQWNsUXlCZ1AyU0tXMGZpYWdndFZrSkVmQmdiMGF6YkRSM2lITUdib1pGMUpJUU0wd21WaHUtZFl5ZlhZUHlEUXFueHdydzBHbklSeVdJZFczUzJJWExWZnN1VGdrTVNyWWZoV0piUVIzRFFDUktmMXc3ZFBfTzRpY0lxUHByS0VSTW1kX2NQWW5DZVhabDNyS0RDZklCbUNlMVFER2pOQ2c0bmNQQVVB?oc=5) · AllOnGeorgia
- 2024-06-03 [Chattooga River Fest DETAILS - AllOnGeorgia](https://news.google.com/rss/articles/CBMifkFVX3lxTE5SXzd4bEtYTjBmNmk0bVlUNmlZeGZMWkM0a2hVVlZBUTM5VElIYXBVUmY0SERnWW9WZmtfVHlXTnVQVnMzOVB2MDZmZXFrUXJ0Wl9zSWtFbFNORklFMENPRUVJRFhRZC1qdUFvb0M5NXFXeS1zRG5IejZXYzhqZw?oc=5) · AllOnGeorgia
- 2024-07-23 [Friendship Festival To Be Held At Dowdy Park Saturday, July 27 - AllOnGeorgia](https://news.google.com/rss/articles/CBMiqwFBVV95cUxON1pDNkZHMjUzcll1RlBBQlU0aE84WG40MkVONjc0N1VXcmJ4Y2ZaeWo1LW9kcklBZVI3LW4yMkh2Ym93SXZ6OXRNemNiMndBa2JucnJpLWNuSjJQS21lYUpDLXN6elptVkZBYm8yOTkxQXJjV2xPNGVCRGZ5QmZPNlhRaG1rMTNrcG00dXNTYkpuN21pVkhDSGMzNEZHZHNlVTE4ay1QY0pDSHc?oc=5) · AllOnGeorgia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=365 (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/45.json (key "365", 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=365
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide