# GEORGIA HERITAGE
SAVANNAH, GA · NCUA charter 3800 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/georgia-heritage-3800

Who the members are: federal charter, community charter, organized 1940, low-income designated. 15,224 members of 431,589 potential (3.5% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $158.7M |
| Members | 15,224 (-1.3% YoY) |
| Full-time staff | 46 |
| Net worth | $16.8M |
| Net worth ratio | 10.6% (p34 of band) |
| ROA (annualized) | 0.33% (p26 of band) |
| Total delinquency | 0.33% (p26 of band) |
| Net charge-offs (annualized) | 0.41% (p58 of band) |
| Loans / shares | 73% (p56 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p51 of band) |
| Operating expense / assets | 4.90% (p85 of band) |
| Vehicles % of loans | 66% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 247% (p90 of band) |
| Vehicle delinquency | 0.42% (p41 of band) |
| Vehicle NCO | 0.61% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 24% |
| Average share balance | $5,767 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $10.1M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $17,009 |
| Loans granted, annualized | $28.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $10.1M outstanding purchased (60.0% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | losing money, charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 2 |  | loans>95% of shares |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | losing money, margin squeeze |  |
| 2021-06 | 3 |  | net worth falling, losing money |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 | assets shrinking | delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling, delinquency rising | assets shrinking |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | net worth falling |  |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 2 |  | net worth falling, delinquency rising |

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

- 2026-03-31 [Udderly Adorable: Help Name Georgia Heritage Federal Credit Union’s mini highland cow mascot - WTOC](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPNUoyNnRib3JaQWZhQW1sT3NBT2RYUnZ4cTdJSEw0NmN2OUp2U0dPRlh0dFJVVV9POWgtOXltdjlWV2lMMXNjODZ5MGFsNjVYZjJBb2thbjlqV0Y5cXRHZEFXbk5kaTB3aGZqQVJhZGpOTWFZRXBJREUyZHFZRnlxQkhtSl8teHJfbXhzTmI0OHp6NEpGeW8tanV6MzhRY3gwTFJJYXkyaHptdGlXbTdGSXdRSTB6bmwwbWE3WVREazbSAdQBQVVfeXFMTTJ6b3A0bjBtMlVkREw0bDJVVFdHWC1kZEdFc1ZsY0JYSVk2VjUxTFU0NTZjYzFnTDVWUzVTcmRzbDQ1Q3lhN0hFVFg4TllSX09SNjNuYnZMTUUyUFJLSWtZMUNYVU5VQ3Fvb3hmUkYzRDMwUnVET3YtLTN1N0w4TnQtdUc1NzJfZGctZS1QSVdHVmQ4V1U3bnlvS2sxdFZpQ0lIWm1JOVhKS3hhT0xUS1g2VTExRDJqZjc2OERjUWdOTVJwVUtaSUE2RW4zNFZYZ1pmZFA?oc=5) · WTOC
- 2026-04-27 [Georgia Heritage Federal Credit Union Data Breach Affects 43K - ClassAction.org](https://news.google.com/rss/articles/CBMingFBVV95cUxPdFJ3Sk43WDdmbXF6R1RUVWxjMk1MeGRxU3l2U2tfckk1UjBsT0hZWHUwYkhqY1BLdGpiemEzQmNJNEZrcURlNnZWWjhQRkNvOHRmbW9aN3AtWk9raV9wZXNkLU04dzZZX1FCbHItRnFacEZOb0p1VnNfUEl3Wmdxa1JXeE9EV3lmQTk4aVI2N3ZmT0VUNE1NSEJUNURaQQ?oc=5) · ClassAction.org
- 2018-03-22 [LGE Community CU To Buy Georgia Heritage Bank - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSjRsZXVuclFhSEdzZzcwbEprYW1uZmFlUTdtZms5WWN2c2VPMzdaaXVJenUxOEpPcVhpc01uU0dlNlB0Q08zNTJ3RXlIbF9IMzAxSWRmc0pXbWVNN1NPNmJhOXpySklHajVSVDdscU0yelB5M2VqRUw2dHlSVDN1ZGVFUUhacVNLWlE?oc=5) · cutoday.info
- 2018-03-22 [Georgia bank to be sold to credit union - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQZ0lMWGNfOHpJMVBpdTVRVWhOX3gtWjYzTTdzQlZlU3ZNZDQ2ZmZZcVZwSEdCMGVSZjVheVpKVkNwamxHZU8ydWN1bGF3SW5KWGpOUkZLVWZVb25RcW54djl6bmYxMExVNnU4OUZPa3gzVkxQMVNDWjVOUmRjWDlLVlhJWXRWV0VV?oc=5) · American Banker
- 2014-04-14 [Ribbon cutting held for new Georgia Heritage Credit Union branch - Savannah Morning News](https://news.google.com/rss/articles/CBMixgFBVV95cUxNZ0xpb291UVhmNzRBM2dkQ1hIQ3dDbngtZnRzaTJOZzVPUXdTamxWWHBXbEpETEN6cDBWSUVXVkRWbFBxdE1fS1lMN3NpUE1QN3hFYlc1QWhpLVQyd2hxRVRwekxsaFprOGFvSkVxUjk2SEl3M1NZX1ZMX0dpVjNlV0RNMkloZ2VsODlsejh1RVVmSlNqV2M4NmpJTXloUGNYb2NDRkRTa1hJX2x1NGZLUjRUMW9DRC0tUkxVNm91cUlGSGx5RXc?oc=5) · Savannah Morning News
- 2026-06-20 [Juneteenth In Coastal Georgia: Heritage, history - thecurrentga.org](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTlRMYkVJZjdHelc5aW9rWWRHZTFHUXI4TERtRkZJVjlkMzRkc19QNm1FM0dwc0l3MlVEajV0N3Z6cE9sSmdGV0V0TDk3OGNNY3ZOSVJic3VsMW1PV3FpMzNGWEtUWVVEUldseV9sRndiWU43Q3U4LTI5N2RNb2FiRTB5eGU1d0FqeHpV?oc=5) · thecurrentga.org
- 2026-03-31 [Udderly Adorable: Help Name Georgia Heritage Federal Credit Union’s mini highland cow mascot - WTOC](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNZDVDS1lYbmc4Q3g3Q2NiYkNOMTN3MWJ1ZDEyR3pFUG1DdTRPX29NakZpTnN6NGdoVi1pMkF6VGRnd0VKaVdQYkdUWWlxaDVYQ0pKb3UwS2VjVktZZFExNGltRi0wOVltcnhtUlU4Zmp4eld6WXZhSlRFazlqc1AxbnlRZ0hjWjhTXzVadnZNWWlWa19oS2hNUUh2NkdUM2NqMnJvOU10TEJ5V3kzOGtYQkJMbGJFdWVsR01BVnJpUXlmSzNaYUhXag?oc=5) · WTOC
- 2025-04-07 [Robert "Bob" Pounder - Fox & Weeks](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1ZSDVIdWFsVWl5cEVkVDJvdTNKaGJaZnNTaV90WHFHVVJRUF9VQmtVN2pEbFNqWFJ3VmpFUmZ1S3oxbmltZU90VzdETjFHaEFRdFd2Um96S1VGMGxZUTNJ?oc=5) · Fox & Weeks

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3800 (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/24.json (key "3800", 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=3800
- 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