# REGIONAL MEMBERS
COLUMBUS, GA · NCUA charter 376 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/regional-members-376

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 1,240 members of 5,000 potential (24.8% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.4M |
| Members | 1,240 (-2.1% YoY) |
| Full-time staff | 4 |
| Net worth | $1.2M |
| Net worth ratio | 13.3% (p40 of band) |
| ROA (annualized) | -2.04% (p6 of band) |
| Total delinquency | 1.60% (p73 of band) |
| Net charge-offs (annualized) | 0.24% (p66 of band) |
| Loans / shares | 67% (p63 of band) |
| Cash / assets | 42.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.52% (p74 of band) |
| Operating expense / assets | 4.37% (p67 of band) |
| Vehicles % of loans | 78% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.32% (p70 of band) |
| Vehicle NCO | 0.24% (p75 of band) |
| Repossessed % of vehicle book | 0.35% (p96 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 42% |
| Average share balance | $4,962 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $12,484 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | margin squeeze, delinquency 2x band |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 | delinquency rising | margin squeeze, net worth falling |
| 2017-12 | 4 | members leaving |  |
| 2018-03 | 2 |  | delinquency rising, members leaving |
| 2018-06 | 3 | members leaving |  |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 2 |  | members leaving, assets shrinking |
| 2019-03 | 4 | net worth falling, members leaving |  |
| 2019-06 | 2 |  | net worth falling, members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | members leaving | assets shrinking |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 2 |  | members leaving, net worth falling |
| 2021-03 | 3 | members leaving |  |
| 2021-06 | 3 | net worth falling | members leaving |
| 2021-09 | 3 | members leaving | net worth falling |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 4 | net worth falling, members leaving |  |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 2 |  | members leaving, delinquency rising |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 3 | net worth falling, delinquency 2x band |  |
| 2023-06 | 1 |  | net worth falling, delinquency 2x band |
| 2023-09 | 2 | members leaving |  |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 3 | delinquency rising, assets shrinking |  |
| 2024-12 | 4 | delinquency 2x band |  |
| 2025-03 | 4 | margin squeeze | delinquency 2x band |
| 2025-06 | 4 | delinquency 2x band | margin squeeze |
| 2025-09 | 1 |  | delinquency rising, assets shrinking, delinquency 2x band |
| 2025-12 | 4 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2026-03 | 4 | net worth falling, losing money | delinquency rising, charge-offs p90 |

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

- 2019-11-05 [UPDATE: Suspect arrested for armed bank robbery on 15th St. in Columbus - WTVM.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOQ1lJZHBlWVRYYi1LT3pCNF9xMEtwYm1PZFU4ZXZ1UEhWTmpSMUd1Q3RiVVdhVGRiZXRMTndVbGMtYThDMEt4QmU4dlN6WDlrT0d1UWQyZTF4NjdEWlRxNFJaS1V1a3cxdml2Z3RfbnhCai10bmlFRVZuVkI2cGhpRjR1UlhiVGZK0gGcAUFVX3lxTFBUaEs1SXZ0cEN4UGJpSGU2UmJuTF9wS1V6RlVLNk04aHd4TEtKS0pobzhIcVU5OXB6WHFrM0s3NUw0SmRDWlZJSTBoS2xSLXljaU5nU1NBdDFqWl9aWXpOcTE5RmgySWQ1bm5ZWE1SMnV6QkhOLS1yRWRkS1AwTFRNR1BLRE53QUhrWjZpa1J4VW5Hdm9ZUlJvQTRHWA?oc=5) · WTVM.com
- 2019-11-06 [Suspect in SunTrust bank robbery on 13th St. in Columbus has 16 different mugshots - WALB](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYWYzaHBhT1RHd2J1VHJJMFIzZTN6REVvaXBMZi1wN2RoOW85ekxCVk52WkNoZmZFUU40Qi12Wk9kR215WEJ4Skx2TFg0d2F3TkZYY2ExZTZJYUJxTVZBdU5fQS1rNldMcE80TTMxVGYxQVF0LUdnUzh6Z043NzNRcG95NFBOY0Z5bUtqRHVMaDFDVUlwNVEtWFc5clVWZHFVSXfSAbYBQVVfeXFMTWNaSGJPakJSME5rMkRXREpYLTVHLU9tRnZKYWY5clR1eHRNUldHWHF1akF5LVU1UVV4eVUyOUk0cGFqOEtLUlNfcnVWTE1hWmx3VUFHTi1ubGdHUVFhaDktdENCVklsU3RZZW9HbTd4ZndNX0paY2tmM1BMRnRzX3ZCVzFJbm5KSk83ZXF1R25HeE9sa0pqU2pvX21sV1JDb253eDM2LU9aTHJLS01ZdkpoSzZMWkE?oc=5) · WALB
- 2019-11-07 [Two alleged murderers and an alleged bank robber appear before judge for the first time - WRBL](https://news.google.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?oc=5) · WRBL
- 2019-11-05 [UPDATE: Suspect in SunTrust Bank robbery in Columbus arrested in Phenix City - WTVM.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOOFlLUGFuQlJoMjA3Qk02LXVpeV9RRHJOS1pfcmpOVlRxeFYzU3ZITmExanJCV1daRGJTQzdRTDhqVTdZSlJQVGZNLTZsbVctUmxKN1pTY3kyZEJKNzloTTJMbUZoQlpuYk9EODBwRVBWMmg3cDdBYUV2WGthX01uWTJfTjh1bm5tT3lVdk55ZWFwZXlP0gGoAUFVX3lxTFBpWGhxcjFacHdGcGNsT3RvdE0wbWJYSFJUV3IzaUlUTmdFUC1oZ0VrS19HMFlSWTg0SDQ1R3B1YkU0STZJSlQ1QnA5MHpxNUNKNk9RLURuVGVBSGMzelZlNTBWbXFYOXBsVHNScTZwdE82MVVXNlpiWjQ3ZnVwWkFoaDNIb2kwSjRmc1hTYjNDcUdLdkJVejdmN2dmMll6a243NHNOSnd1Ng?oc=5) · WTVM.com
- 2009-08-22 [Frank Hart Jr, - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNaVdZUmtQUy1QS2wyZnRDTWd0S2lSQk4wUlVrMlBKVFFGMERZYWh5UDhrbzFiaHN0U0tyTXRJdTJ0RFowOWJ3OWdXbTFNR01wR1hGaUI5a0dxeEpfWW8yLUNMdjUwN0tvaXA1UDV5ZVczZHZIVmdFV1V0X2NXT1J0N0NydUJaZFpnRTNDRw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=376 (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/56.json (key "376", 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=376
- 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