# BEECH ISLAND
Beech Island, SC · NCUA charter 60810 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/beech-island-60810

Who the members are: state charter, organized 1971. 1,131 members of 2,200 potential (51.4% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *auto monoline*. 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 | $6.7M |
| Members | 1,131 (– YoY) |
| Full-time staff | 4 |
| Net worth | $740,641 |
| Net worth ratio | 11.1% (p38 of band) |
| ROA (annualized) | -1.69% (p4 of band) |
| Total delinquency | 0.52% (p38 of band) |
| Net charge-offs (annualized) | 0.12% (p40 of band) |
| Loans / shares | 48% (p37 of band) |
| Cash / assets | 17.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.59% (p34 of band) |
| Operating expense / assets | 4.96% (p85 of band) |
| Vehicles % of loans | 62% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.66% (p53 of band) |
| Vehicle NCO | 0.07% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 11% |
| Average share balance | $3,381 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 38% |
| Average loan balance | $6,665 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, repo signal, auto monoline |  |
| 2016-06 | 2 |  | expense trap, repo signal |
| 2016-09 | 3 | net worth falling |  |

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

- 2023-02-14 [Beech Island credit union robbery suspect charged in separate bank robbery - WJBF](https://news.google.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?oc=5) · WJBF
- 2023-02-14 [Man arrested last week in credit union robbery; charged in 2022 Warrenville bank robbery - Post and Courier](https://news.google.com/rss/articles/CBMingJBVV95cUxOSUZHbk00WFhjeld2ekNaX1pBOUJnYWtIenVqeXhwVm5fQ0hZT3pVMjNTZERPWGFUbkVrbDcxdW1NNXByNmtCTG1PWk85cGNubkVSb3pOUWUyQlpYWXdXWnZsQ1Q3d1VKSzdpNkNmTTFuSzZaODdvcEc0WTdka25YV1VnNDEya3ZuNm15T3R6bmMxZkt2ZFdjN2ZZOENTcDhWVTE5NEgxZWNrSW40Tnk2Rm5YdENtd2hfU3U3R09Zdkw0c08xTXNKb2ttQWhlck91MWlXOHZZV3hpZ1FuN0Vhem14bnNfOHdhalJFcjVzZzRPSFhJaWdaZmRrWGhjZk5XTk9WR2pBOFU3Qmcwb2l6N05OeXNXVFNqd3hKQTN3?oc=5) · Post and Courier
- 2023-06-04 [John Ranew Obituary (2020) - Beech Island, SC - The Augusta Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQNE5xOER2UmYwLURpcDlCVFNkM2QyNlQ2TGp6bVlwNHFEZGxSMkVVWU9ZN3hBUVpPdHNyLVdGWjVjUXlpN3hQaENxd0RRU2JGdXNWeHg5SWJ5WDBjSzNMU2t2RHdXRW8xcGtQeHkyYlZFZnN0YklEQ0FKbm9lRGlobDRXT2FxTTExemo5T2R5N1R6ZWY4?oc=5) · Legacy obituary
- 2008-03-24 [Charles Acton Obituary Mar 24, 2008 - Shellhouse Funeral Home, Inc](https://news.google.com/rss/articles/CBMibkFVX3lxTE04WkNyWU1Dcm1WQ3dxenlhaWMzZXhmRFAyLVJueTJwcFVycjJuZVRqZDVtcFZScWgwVGZkN3I1aEVJbnV6b0ZHbUNnVUIybXljRHlna3hpZmZjNkwtcHNfMmExMXMxT1RVN3dWUE9B?oc=5) · Shellhouse Funeral Home, Inc
- 2017-04-14 [Names & Notes for April 19 - Post and Courier](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOSVVmTklVV3lub0FZODltT2xOa1FEcW9idmlRWVRMQXZfOHdFWU9BTHZWQnQta3dNNkVraGY3VXFfQUNvbGdtbVBVakxyV0tGa1FFVHVKTzVEQ3pSUFJxMkctZkxSeWFieDNZWXJmRkF5UlNEcFlhRFZBQU90NElyQlBhUVFsNWNENFVoRXJSeXFOMGRwbVV5S0RBMDR5eVJ4MndTWF80TzBsYkxMUzVlSy1XbFpONmN3ellmZkJsTWx0cFFIMVRTZQ?oc=5) · Post and Courier
- 2016-01-23 [Eldon "Cork" M. Berry Obituary Jan 23, 2016 - Shellhouse Funeral Home, Inc](https://news.google.com/rss/articles/CBMib0FVX3lxTE4yUkd1dmFJZC1wZ2RLa3VPTnd4YXdIMXRZd0JOYWtZUjJKVXFzSDhyOElOY1l0TExhSThCZUotbVB2bm9FMXZKSVY5VVpVcEljb2dRbnJVYlk5MUdmU0Rpb19Qc1pBWlpSYmtETGNXaw?oc=5) · Shellhouse Funeral Home, Inc
- 2014-04-18 [DeMarcus Stone Obituary (1972 - 2014) - Augusta, GA - The Augusta Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZzRORTNOTUl4ejJWczJhdFRyQThZcm1HRHVabEwtVFdsNWNocEg1X2d0bExFWjVUUGVTOGR4ZV9MZVViZ3FYVkZZTUxWdDh1WnZXRmU1aUNuaGQzQlBrZ3BzX3ZlSjludDFGbHUtQ3FYNklMcWt0Yk5LU2M4MGFTbFNkN0tvZ0c0M1FJRUdFUF9RZF9NRlkyejFB?oc=5) · Legacy obituary
- 2022-12-10 [Aiken man killed in drive-by shooting - Post and Courier](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNcjBxRFF6aE9jU2FzbUtaZW5fU09iekFxU0lRb1NhV3dRLXNleVBDWW51M20wbkFMWGtXRWJSTmx3Zy1UekI3N2NwMWxrb0lVZVZyY202UXFGVjVLdkk2eFF3aEg1RExkQWkwc3pNSEhXcEowUWRHU0tvRl9kbDJmWlFxdVE2OHg5blNMN3dNcTZuLUwwLUROeHpfMzl2MzYwRVhIU2pRYk95MWNac2JBbjdScFFERHc0a2xTSTNoMy1tRlIzXzAzU0lIZEUyR0dpMzZTemtXc2JVU1E?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60810 (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/10.json (key "60810", 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=60810
- 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