# SAVANNAH POSTAL
Savannah, GA · NCUA charter 67364 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/savannah-postal-67364

Who the members are: state charter, organized 1991, minority depository institution. 2,047 members of 4,600 potential (44.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 76.

**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 | $24.8M |
| Members | 2,047 (-0.5% YoY) |
| Full-time staff | 6 |
| Net worth | $3.7M |
| Net worth ratio | 14.9% (p50 of band) |
| ROA (annualized) | 0.50% (p46 of band) |
| Total delinquency | 1.75% (p75 of band) |
| Net charge-offs (annualized) | 0.54% (p76 of band) |
| Loans / shares | 61% (p55 of band) |
| Cash / assets | 46.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.29% (p90 of band) |
| Operating expense / assets | 5.03% (p79 of band) |
| Vehicles % of loans | 64% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.20% (p82 of band) |
| Vehicle NCO | 1.04% (p87 of band) |
| Repossessed % of vehicle book | 0.15% (p93 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 7% |
| Average share balance | $3,735 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $8,140 |
| Loans granted, annualized | $3.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | losing money |  |
| 2016-09 | 0 |  | losing money |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 1 | assets shrinking |  |
| 2018-03 | 2 | losing money |  |
| 2018-06 | 0 |  | assets shrinking, losing money |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | members leaving |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 3 |  | delinquency rising |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | members leaving | margin squeeze |
| 2022-03 | 2 |  | members leaving |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 | delinquency rising | losing money |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | delinquency 2x band, assets shrinking |  |
| 2024-03 | 4 | auto monoline |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | delinquency rising, assets shrinking |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 5 | delinquency rising, assets shrinking |  |
| 2025-09 | 4 | repo signal | delinquency rising, assets shrinking |
| 2025-12 | 4 | assets shrinking | repo signal |
| 2026-03 | 3 | net worth falling | charge-offs p90, assets shrinking |

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

- 2014-10-18 [Marina Smith Kring Obituary Oct 18, 2014 - Sauls Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBqajRKVDI2eEM2ajh0M1BLZTc0bE5PaDRmMEE1T2xQc1RHcXgwTXVBU2NETlM1RG5TN1l3MDdTOTE4Y0s3MGZSbWlGS0NGcS05YmV5SHhiUlBDeXM?oc=5) · Sauls Funeral Home
- 2013-01-14 [Savannah man charged in multiple robberies - WTOC](https://news.google.com/rss/articles/CBMifEFVX3lxTE9kWkJURGFXLUdFMjBDbkZEX1BFYW1zd0FfSXlnZ3ZiMWFUT283NFQyQnhMbUZsT3hGaUNxdnhCTEQtaGhCVFp6ZEx0Tlh5cHVURjl2NENRNVBrZGt6bXhxMzhrdG11MTBsVDF4bW5MeXdNNXkyYWQwYWplSTDSAY8BQVVfeXFMTUZMREJFUGw4Rm9XTVY4amFncmIybjNYS0FtYl9TRndCdElrYzFHMHpneXBRMndTTlFjRE5hODFMbGtRM1NHSHRodm1iNG9jbWdLeVJSSzVWeTd5Tjl0ZUNMc0F3WEFKeF9sRGJRQl90dHJSV2xVWkpCWnlJT21walJVck5vRl9HY0pFZ0lMVnc?oc=5) · WTOC
- 2013-01-14 [Savannah man arrested on multiple robbery charges - Savannah Morning News](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdExFS19PUFVndGljVl9vRDNxd3RySUdwQXI0NWtDOFdSTWRaMVE5QW1CSUI5YTNzdGJSckxCNjRZcU5SdUlJUlFBMnVjb3F1YXJjNHVUcmRsUVcwWnpfSVQwaTY5ZjBkRzFCQk5NT2FqSXdGMURUaXlVMXZyVFlSR191Z2tJMVphQzZnUXJHV2JFakh6UVVnMWZVSXgwTFcyNHZMa3A5c2JmN21Cc0E?oc=5) · Savannah Morning News
- 2021-10-07 [Marina Kring Obituary (2014) - Metter, GA - The Island Packet - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQUY4cldBd0dOcjlaamVCczNsNVlxc2Z5aTFIVGloSERvOVpkT2taSVB6VGVfVUVSWjEwRE1UOWNtVmM4S2xmRExjcTFQR21hdURiX3lBZ0xWdUhKaHlUSkFHbFVtNUVIcmhRWlNtOXpjWEhiZVNXVENNRzZCWVBjaUM4bzJFTjZNOVp5cndEc3RmZw?oc=5) · Legacy obituary
- 2013-05-22 [Man pleads guilty to armed robberies - WTOC](https://news.google.com/rss/articles/CBMiigFBVV95cUxQRXMwMUp3dUpIRHd6WU01UkZUemdUUUROVTVMc081UUltUU4wemZTY2VneEc3UmJpTEIwb19MakxWeXFWNzBuTW5SR3l1VTREbVRFTUdabUNJekJIdjRxZnlMWDh5TVBvX0tyR3lvZ0VtWk1USlNld3lmTXJqNDgzRUxENTliOEtONEHSAZwBQVVfeXFMTXRwck8xQWhUeUVva0JtVkRnbFhDekl5bXV1SGJZLVh1Mm5fMXRnX2tCdHBDS2NBSndQVEIyQnFSM0FNMkJWMmhrQWlPVG9fVjRDSjRRR0FORHZpelZxeWFMMnNHMGVLYnltdDlfT1ZPMEJFWV9rM0hTVW5OOWgyZHJGc01nMTN0SEMxUzNGbjV2djJCR2dkZGd3djNW?oc=5) · WTOC
- 2013-01-14 [Public safety summary - Savannah Morning News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPNXB2elRKYmtOYk5rUFh5QllZdGZ0bzUxRUZSX2M4Z3ZVRFNNeUF2VEdqRXRqa1JpWVZocWZDZzItRU9GNWZ1dEcxSHUydWEyRzdXTUJEdF90bi05TnRBdkJGOVp0TTh1UEFkaE40RHBuWTY2cE9WTW1pZHZyQzVzNlQ3NkQ1cDYzX0t3LQ?oc=5) · Savannah Morning News
- 2016-12-01 [Charles Dubberley Obituary (2016) - Savannah, GA - Savannah Morning News - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPYmh5WXN5NEZLRklnZnFvU2dXYi1JZmhSTXF6NFdjc0RpdG1vYURwN1c2a0FuSTR1amdFMmZEU0tJWkNYQm9MOVNYYmZxTk5jenlhdHkzYkU2dHZnb0hpQzcySFVkbkp5aFozOEhhNjB5cjFzRTFxS2dXaXNWbGVYVkZFbGJQYkZrcDJMaUcxMFgzNjA?oc=5) · Legacy obituary
- 2013-08-23 [Man wanted for questioning in seven bank robberies - WTOC](https://news.google.com/rss/articles/CBMikAFBVV95cUxOQ2FZcXJuc2UxQ09odXlhSVd1M3hOeTZubXpSTFk0MW9ROTlPYTlkZzhkNWVDYUI2MjVuNlh6YnRVUFRkbkxTTlFlb25maXZsMWFvcGpDa3NrelozRF9pV1BRZTFkLW5VWGtHZktXaE5ZbUR6WXRvT3FOeFRXT3FtZEFZcmtDRi1qcWVvcUlqUTHSAaMBQVVfeXFMTUNySUhFak1uaDg2Q2s2QUR1djdYLXAzaTI0ZGNlNmROek1jaDdmcXdtZXBUcWxrSlZBejdDeWk4Y0toOHl5alFEdjAxZHAyb0Zid3ZWQ1FLRGNKbzZFNlRFN2I2RnI5ZVRWcUE2Ymc2STM2aVh6ZnhGdmRRTWlZdFF6b09BeUdjZ1ZKV25GcER1ODNCR0hLdlZjUXB3dkxmcEdXQQ?oc=5) · WTOC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67364 (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/36.json (key "67364", 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=67364
- 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