# NORTHWEST GEORGIA
ROME, GA · NCUA charter 65912 · asset band $50-100M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-georgia-65912

Who the members are: state charter, multiple common bond, organized 1961. 13,059 members of 60,000 potential (21.8% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 521.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $79.2M |
| Members | 13,059 (– YoY) |
| Full-time staff | 24 |
| Net worth | $7.2M |
| Net worth ratio | 9.1% (p28 of band) |
| ROA (annualized) | 0.82% (p84 of band) |
| Total delinquency | 0.39% (p26 of band) |
| Net charge-offs (annualized) | 0.42% (p64 of band) |
| Loans / shares | 64% (p52 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p61 of band) |
| Operating expense / assets | 4.24% (p73 of band) |
| Vehicles % of loans | 63% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 18% |
| Third-party paper % of net worth | 70% (p76 of band) |
| Vehicle delinquency | 0.26% (p27 of band) |
| Vehicle NCO | 0.42% (p58 of band) |
| Repossessed % of vehicle book | 0.08% (p79 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 2% |
| Average share balance | $2,767 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 521% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $662 |
| Loans granted, annualized | $23.4M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 1 |  | thin capital |

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

- 2026-09-09 [Ga Supreme Court: police power is not a blanket defense - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQY3E5VlotbmJfT2hZZVJsd05FQmIydFNPQ2huTFZDaXktMDlBTFRvOXdLTjdKUHdGSWc4VHpSYWpxb2h0Z1Z2UlJvR3FCLWlfMExZZDQtTXl3cTBKRGVDdU15bE90TjV4TWVQcEJXNmcxckUyZDM4dHd2M1dGNE9aMzVBMGlzbEdkVzFrSm8xRnJweGxIR1YzRHl6UFdYZkI4My1Gdi1sRkVNUDMtTGcwVURWc0JRRFhQcndIdFZDRHh6QVRrVlJ2YW1pTEpmeXdjc09hOUJRUW9ZZHJ1ZFJ0ejJuTjZxTGM4RTRvbU93?oc=5) · The Rome News-Tribune
- 2026-09-08 [LGE Community Credit Union celebrates grand opening of relocated Rome branch; donates $20,000 to local first responders - The Rome News-Tribune](https://news.google.com/rss/articles/CBMinwJBVV95cUxOcEc2cTFIeXVVMjZYM09ZUnZLMDJ3c3hlX1lzb2h1OHFYbHY2dGlBa0djaGVfMUVYX3EtOF9NVU1jLWx5V3FKNmluMmJJS1d3OEhlYXNoTzZ6U1V6NFVmdUFXYmkzV1JwY2gtaG0yQk80U0dnR2ZGdjgxUTBfWnZPRXRhMTJONkFFd3RQRUlPVHlXTV9iVlNHckhkSGlQa2o4RlljeHoyTHpjSFptelU0X2lCVVNkckhGVVBJVVRRckRfcjBZc0ViMXQtLUVPVmFSaVJ1WWdodWdfV0hiWGZqLXA1Nmx2T2FvSEJkNThCUnJhenIyY3cyNElfbU81UkxBSURCUVJLaVpUZHdKZWVXdjdJNWJsamdMTG9lenEyWQ?oc=5) · The Rome News-Tribune
- 2022-08-09 [Tennessee Valley Federal Credit Union expands into 4 more North Georgia counties - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTFdDNVIwX2J0TW1XODNiZExYZlpKbzkyWEFlRnZpNVFJSHZNUVZaY3JIdC1BWFpmaldaeDZhRmdkTFUycHRObXRYV0JKOUlvTXMxZld4aUNTX2NqbzJScWFhdXZrN1pYRnpaWVl6OUJqeDJWdjk4Q0VLcUxCSWM4UVdtcVFpZzJrVUtOakdMYkgwQUc3RjUxZ3cxZHcxdWRF?oc=5) · Chattanooga Times Free Press
- 2020-08-26 [Credit Union of Georgia taps Jerry Ragan to be its new CEO - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPS1g0eG92ajhjSnhGNWFRUVBNQjl5SE1aNDZON3NpSzFiU3BsRy1FWDJQc04tSVhkM05ETGlDMk50ajhJem5jWk8zRXlXQVZlRG12UHhLOF9qdmVobHFfTjZGLW44MEpOQXJRbFU4YWtqb09ua1FkcXpoWXZ1cXJISGdQOTdqU3BrbGJyTXZ4dkhOTUplYWg2RzVSdHVKOUFMUnNldkdQN1hJdEU?oc=5) · American Banker
- 2025-08-27 [Tennessee Valley Federal Credit Union opens new headquarters in Dalton - WTVC](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQRk81dDdwWU5qVjVXT3QtTzU3bzVNdjlZbVluWjViU0dIX213YWVEbTY2Q2lkeFNERm9HRU9WTGViV09MWmZKQ0dYYXBlaE95LW9Hd2N3U1pvU0FFVHVqajk5MWFfa2pqLWZTSmllWFNrazNTLWFtSXhRejdtc2VhNV9JbFR1S015WnJVZ2tjTkVyTXRFUEFKMkdVMzhONG9ydFZGSXhxZS0yREVOLVZ4TXI2Tk96RGlOT3FtVlJoV3pBZw?oc=5) · WTVC
- 2023-04-03 [Credit Union of Georgia holding online Easter basket raffle - East Cobb News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNV1gzUkxyTTRGX0pNUm1Nc2JtVE85eWQxMjJVdUVvcFNWck9LVE1tM1g3Xy02Y3pZbVVOMG1XMjlOckFlMThmaGl5ZjRhS2V4bDJRV0h6VUhqNlQxSTQ4Zm5Bd01WRGIyRnE5QWNlSkgwYmRVa3RoRDZRWGRSNlZDZU1qOHFPTTB2eEQwMFN3?oc=5) · East Cobb News
- 2026-07-21 [Leadership Catoosa celebrates 22 program graduates - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOc3o3ZF80Z1Q4VGhWeXVPYUhDdzZmUVZoRnU0TVhlVTE4bkM2THRicTQ2M0RGS2twZmxfTDhLelhIUWJNaUNWampyMHdpZ29meEJuQnNuaHRSaUZtaEhuLVFLSTZmZVF6Q0xsNUtqUlk1Sk5oRjVIU0ZDaTIzRm15Q0wtTDFtMHJOQnBKeU9TY19EYkUwcW5HT0lwNlY3eThMeXNfOWkxMnZyc0Z3UGRFVnZaakx0ZVNCVkJTTWpqVUVPZTZzb1RCOWdwR0htTUlkYWVOYllXNjh3WFk1dUpLVVJUcEJhbFM5MXNEMFB1Skx5MlAt?oc=5) · The Rome News-Tribune
- 2026-06-13 [Parade, Fish Fry, Concert and Gala Highlight Local Juneteenth Celebration - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMirgFBVV95cUxNM00zVW1uZ3daWlBVUV92Nkd3WmEwd0pXXzZMTnFQT1RkQWdobVlmd1V2Y0lwRGhYVG9ySHZjM3Nyd1pOU05rclZSemZIS3lIVlBNQ0ZiaG9GM3hVRFNRT3RrVm5oc0R6WVY1WlcxcVg1R0lVYXkxemZDTHFxUjJCdV9Ca2dxQ1F5MFRnb1JTMVdodWNvUnQ5QS1RUHJrUWhHYUQyT19EZksxN2lqTXc?oc=5) · Dalton Daily Citizen

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65912 (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 "65912", 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=65912
- 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