# CDC
Atlanta, GA · NCUA charter 6053 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cdc-6053

Who the members are: federal charter, multiple common bond, organized 1949. 23,527 members of 500,000 potential (4.7% of the field); checking penetration 115% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $435.5M |
| Members | 23,527 (5.0% YoY) |
| Full-time staff | 40 |
| Net worth | $39.7M |
| Net worth ratio | 9.1% (p16 of band) |
| ROA (annualized) | -1.19% (p0 of band) |
| Total delinquency | 0.64% (p54 of band) |
| Net charge-offs (annualized) | 0.53% (p66 of band) |
| Loans / shares | 46% (p4 of band) |
| Cash / assets | 10.0% |
| Borrowings / assets | 11.48% |
| Net interest margin | 2.34% (p3 of band) |
| Operating expense / assets | 3.98% (p63 of band) |
| Vehicles % of loans | 35% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.67% (p58 of band) |
| Vehicle NCO | 0.52% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 18% |
| Average share balance | $5,046 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $16.7M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $21,474 |
| Loans granted, annualized | $46.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $16.7M outstanding purchased (41.9% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares -4.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | thin capital |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | net worth falling, delinquency 2x band | delinquency rising |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 0 |  | margin squeeze |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | net worth falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 1 |  | delinquency rising, assets shrinking |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 5 | thin capital, delinquency rising, leaning on borrowings |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 | assets shrinking | delinquency 2x band, net worth falling, thin capital |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 3 | net worth falling, losing money |  |

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

- 2026-05-08 [CDC researcher accused of stealing over $1 million in grant funding extradited to US - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMingFBVV95cUxNYkpOcl9RcGJZeUxWX0dhMGMzSkdXRVp0OHg1NnMzcy0yajZ5aTJuQnJ3ckJ3cHhIMWtqZjdCTXlOdkNORjREd3JDcDMyOExubTQwMVdUVFQxcm5vM1p3QkoyaE5QRFU4emgxVWV2Rlh1QW9EU1hfV05nN0NMUzF1VnZ4X3QzcWRKNHM3THBTWl9XeHNZTkZpbDRkOWNvZ9IBowFBVV95cUxPc0FYV0V2cU9UcHNUUXdhVlVDMDQxQS1xNlh4bXE4b2VPQmdNX2ZBN2IwR0ZFQUN1ZzkyUjRyRzV4eWo4OUJQcVd0bFF2bGcxNTRPYTVieVNYa1N5QnB5RlViWUEydEtsYm9HYnFFLWFOX1IwQW5jTUxiTXNieFJLQ09BM0ZYaW9sLUswUUFXdVpaRzlINGg3RFdyaFNaQmM0MFcw?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2026-05-12 [Autism Researcher Facing Charges Of Stealing Over $1 Million From CDC - Disability Scoop](https://news.google.com/rss/articles/CBMiugFBVV95cUxPZWF2d1kxMUZ4TF9HLVBickdxenRUa1hscG9vZGtpT0dOQ3JJNEREa0t4ZDNaQWRCSHlsYWc3VVdONzBwOEZ3MUJ1SEFGa2xRNktBdC1CZk91RUlSN3NWeW1lUHFCMGc2ZjlIY2xlS2dpNHVtV1h5WENnY05lNlZkck9HTjlDak93RE1ZVXkwTWdTNnhtSjA5UUZjT3NJbWtjT2xsS1g0dUV4XzNYamU2OUF6ZHhObWptMUE?oc=5) · Disability Scoop
- 2026-05-08 [CDC researcher accused of stealing $1M in grants, extradited to Atlanta 15 years after indictment - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2021-01-12 [CDC Federal Credit Union announces new Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxNQ055OTVSYXBqVUgtN1RDQkhYVnlHdkFCRXpMVzUzWHQ5bWpiTmR6VXhBeGM0cHRmLWVzdzg5ZG9OaXpMaWJ5SHM4UUlkNDl2UmFiM0VOYTFnZ0VDV1RMZ2N1cWllVnVkREdoeHhiR2djUS1CWlRJeTJpN3RvaGR5ZGZqdmJIeGF3ZTVWOWp4b2xoNkZLNncya0Q2NEhqSHVFSk5wM1NB?oc=5) · CUInsight
- 2024-07-25 [10 Most Respected Credit Unions in Georgia for 2024 - CardRates.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNVndaRGdLUGZQZnJzVmstZWNrUXpvVHYtRUhpaXV3cG1LV1c1QWdETHhxV3BtRTNFbzFzdUZ6R0N5LU9zMWZ6anl5MTlBS2h4MXQ5bWE0MXZBam0tYkh4bGlWUXE5bTdzVl9lck5YVHI5NjVJWWpBZW5ZX3BKOTBJM3RmUVlYUFNQMkE?oc=5) · CardRates.com
- 2021-01-12 [CDC Federal Credit Union promotes longtime staffer to CEO - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPbWl0cFY5U2VXMHEtRlBzYTJlNVRocnhEci0wTm8tRERYbEw3MjZBVEh2clU4U25LVDhBeEl2NTZhNDBzT29fUEdLTDdVY2VtRXNsT3pRS0xFZTlPRXhEa1Q5ckZxbWpmNGNqVkxVMGtpblFvaHctWDc0dy1NQ3RxbnRNYTNQZFBKcDFCZTYzOUFqMEVTdGxJa0FoczJ3bi04cmtmWloyeXlWdw?oc=5) · American Banker
- 2021-10-07 [Northlake Mall, at 50, takes shot at new life as office center - AJC.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPRXdURGZDUW0xNjJmMUwxVGw2YkpoeERlWEtueDBuckNVbFkyUFJ3bWNEQ2pTMXVSd2JBQVE0bDlFSkJIalMtamRvRlpMNjB0WFlvSTNEWjI2UUVLZFc0Sjc2V2tZQUFlZWNGQUpzMHlqbDJzQW9UNFdPN1RRRDJTWTdhU2NLa3dnOE1CRE9wYldUSFBldEwyV2JwN2tqWEV0ZUVHTFdkODAxd2VzZTh6Q09maVV5ODVTSVktSjV1VXZISDV3c3BBVw?oc=5) · AJC.com
- 2021-03-08 [Tucker passes ‘urban camping’ ordinance; law will primarily affect homeless within city limits - decaturish.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxQTFA0M09aTndxNWpIUndKNGtOcUFWT09panY0T0U3ck5hdWNFNTdlc3FfNEZUYm91VDRKNDhiOGNBcEx5bzRMWkFwM1BqRWxxWVduOExVSWtHYVNib190anFyUVNNRmkxaWdKdTVxVFZqZFo0cU15ZXFlX0xoN1ZJb2V1aV8yM1hHS3FReTc3ZndjblFza3lSRzNmbWhfS3htOHYzVkl5TmxYcFJfa281NFNrMGYwQUFYY1dSOThWbUVzQmw3Q1laTUl0U3V2bEJGVUR6X2F2R1B0Vkx1cUNOdTZVSnlhQ0hMVDBWZVRuY0lnQVBFemFrQjNOVUhPdGQ1OGVpMjZlSFNNTXNL?oc=5) · decaturish.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6053 (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/37.json (key "6053", 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=6053
- 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