# UNITED 1ST
Kingsland, GA · NCUA charter 4999 · asset band $100-200M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/united-1st-4999

Who the members are: federal charter, multiple common bond, organized 1943. 25,943 members of 153,000 potential (17.0% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *ordinary*. 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 | $198.3M |
| Members | 25,943 (-0.5% YoY) |
| Full-time staff | 89 |
| Net worth | $20.1M |
| Net worth ratio | 10.2% (p51 of band) |
| ROA (annualized) | 0.49% (p59 of band) |
| Total delinquency | 0.29% (p32 of band) |
| Net charge-offs (annualized) | 0.41% (p68 of band) |
| Loans / shares | 64% (p42 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.66% (p34 of band) |
| Operating expense / assets | 4.68% (p92 of band) |
| Vehicles % of loans | 53% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 17% (p48 of band) |
| Vehicle delinquency | 0.16% (p24 of band) |
| Vehicle NCO | 0.33% (p50 of band) |
| Repossessed % of vehicle book | 0.07% (p78 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 11% |
| Average share balance | $3,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,479 |
| Loans granted, annualized | $54.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 1 |  | auto monoline |
| 2017-09 | 3 | thin capital, delinquency rising |  |
| 2017-12 | 2 |  | thin capital |
| 2018-03 | 1 | thin capital | expense trap, delinquency rising |
| 2018-06 | 1 | delinquency rising | thin capital |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | expense trap |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 2 | net worth falling |  |

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

- 2022-02-22 [Georgia’s Own proposes 2022’s first bank purchase by credit union - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdjJhSVlLUWxpVUtoQjJ3YjFDV3FuaUxfbEJkQXk1Wm52UVlEcjBldU1YMF9mNFVweDVIaEV1eGFidHA5c3JtbHRaVVRqQU9pV0hXNmxhb2hyZ2FIck9rZ0xWeW1WYjRSaXFyejlzalNkOWtWVG5DOE9lNi1tUTFlSHhGY1RUVzNDdzUxWjkxU2k3MzdrVTFZaG1zRHE5YXJEbGFodGNPUQ?oc=5) · Banking Dive
- 2022-03-13 [Georgia’s Own Credit Union announces merger proposal - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbmNMWENyZTU1NnpmbGRERVdIMGl6WHpNbmhDenVWTmpUZ2M4dlA3bzZnb2xRODJHWDJlU0Z4ZnNZeU9wS0lla0tCd3NudjdBVmNhUEZFMHJzbzZGUTF3S1Y2Ym4zT00xeEhSUUNzUk9aVktKZG9lOElsZVpUbmh1Rk1YUkxpUnF0YlcyYmk1T2hVR3kxQmhn?oc=5) · CUInsight
- 2021-11-29 [United 1st Credit Union helps elementary school kids learn financial smarts - The Florida Times-Union](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOQVRob1FlZjFUOGtuUFdfdGUwYTd4R19STk56OThNemVpRDVrUGNkaF9PWUZYbU1qRTRyUUtKekgybDBVYnduMW1rNXd1TFloOWNXcnNCWnRTN1YtR0hfbEFhRk16WGNTOEdSbVdSM0I4Y2UzYk1MU1M1b2VPa3RTdmthNzJfM1plRHJUbklvTHRTOXNiREd4NUZmRm1IQ3JOeXNKNlN1N3dmRzJLTTV5Nm1xZG9DS0c4dEJadHJCOVZuOXNZNng5dEdMVjhPM3JDOElvUXlRdlJjdw?oc=5) · The Florida Times-Union
- 2018-04-17 [Credit unions announce changes to the C suite, board and more - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxNYUo4b1JaZURFQVRMOEZ5a19PWnNlbnk4VGVfN1JWZmx3VW5KeHlTY3VtMk9JQVhxM29YMHQ2ZEJGUGhabXhHa1NUVmRiWEQxQ1hybmx3OG1fQUtPVm14eDI0d2xIeGdzNVo2c2hmYUo4dTRaN3RJdTd4TWZPbFpZdUw0STVXOFVoanEyNE0xVjJ2ZTFGUlBGM1lVRmhpTUN5QnhzLU1Mb1lFZFVYNmc?oc=5) · American Banker
- 2022-05-27 [Daniel Elmer Obituary (1955 - 2022) - Janesville, WI - Beloit Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZFM4MEt1bUJtenVMajQyb1F3al9ETl93X0lFeVQ4ZWNSSktFR0FJTkhaV3RCbUhMd2NQT3EweUNUMENfaXJrbnprYVF2YXRDZDhqcmFXWTctSlcxa3Z3MkhlYUNvUWlyQlE2ajBBN21ReTItaWxIWS14Vk9DYjN5VlZpRU4xR3dTNVY3enpMZ2plSllyc3c?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4999 (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/7.json (key "4999", 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=4999
- 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