# CORE
Statesboro, GA · NCUA charter 67371 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/core-67371

Who the members are: state charter, organized 1991, low-income designated. 15,569 members of 92,500 potential (16.8% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 347.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $151.0M |
| Members | 15,569 (0.0% YoY) |
| Full-time staff | 43 |
| Net worth | $19.0M |
| Net worth ratio | 12.6% (p61 of band) |
| ROA (annualized) | 0.83% (p59 of band) |
| Total delinquency | 0.32% (p25 of band) |
| Net charge-offs (annualized) | 0.20% (p34 of band) |
| Loans / shares | 70% (p52 of band) |
| Cash / assets | 28.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.98% (p69 of band) |
| Operating expense / assets | 5.01% (p88 of band) |
| Vehicles % of loans | 56% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p41 of band) |
| Vehicle delinquency | 0.29% (p29 of band) |
| Vehicle NCO | 0.16% (p26 of band) |
| Repossessed % of vehicle book | 0.00% (p64 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 | 74% |
| Certificates % of member funds | 20% |
| Average share balance | $4,913 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 347% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $1,692 |
| Loans granted, annualized | $37.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (9.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | margin squeeze | expense trap |
| 2019-03 | 1 | expense trap | margin squeeze |
| 2019-06 | 1 | repo signal | expense trap |
| 2019-09 | 1 | losing money | repo signal |
| 2019-12 | 1 | net worth falling | losing money |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | expense trap, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2022-03 | 1 |  | expense trap, delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | thin capital |  |
| 2023-03 | 1 | delinquency rising | thin capital |
| 2023-06 | 1 | expense trap | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 | assets shrinking | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 0 |  | expense trap, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | expense trap |  |
| 2026-03 | 0 |  | expense trap |

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

- 2026-03-11 [CASSEGA announces the CASSEGA Cup hosted by CORE Credit Union - Grice Connect](https://news.google.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?oc=5) · Grice Connect
- 2026-08-11 [Spencer Gerelle Beckum - Grice Connect](https://news.google.com/rss/articles/CBMie0FVX3lxTE5oZHNUaTVHcVpRV2lWMEpGaEpVcXA4bWp4cURDdno5a3ZMUDNfeDg4TXlFcFV6QjZZY2pmajE2d29yODRocTQ0YVcwRWVUNVhza1BNOW5tZTRrczJMVWJWUmhQQVlQMGhVVWVfTWtuUUd5Tk1fSTVCMnhuUdIBgAFBVV95cUxQQzlzUFdSbGgxSkdFMWY5LS1ZalN6T3Y4d2hmZDU4dFVKVklSblJ3ZEwtWTczNjJlT1Q4alpQaFlEXzg5YjJSZ0tXbFo0Y0hjU1hHcFN6Vm9EVmpFc0U5ZDRoRXN1VmpmOWZRQ0l2V1hvQlJsUXZMajVSR0FPN2tSSw?oc=5) · Grice Connect
- 2019-10-08 [CORE’s history takes it places - Statesboro Herald](https://news.google.com/rss/articles/CBMieEFVX3lxTE5URHRoMXdBb1BVRlc5WUZqdTBVbDY3eENVTnlpLTNtV2lwY0JWQ3Z4MWxHVjlYbzZ2YkNwanBRM09QXzZhekNOc2kycklwbXQ3d3g5ZklYRXhPZFlfN1BQY0pqM0ozNnhldnlIS29FaTdWenBHbUpCbA?oc=5) · Statesboro Herald
- 2023-05-25 [Obituary information for Edward Hamilton Sibbald - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMihgFBVV95cUxOd05yMFNydHd1VlUzdEFQZWlGX05wclprcHA2WHlUQ2JyUGQ2cDlIRHlnaEp6QWdSTFVVeHR2Ym1PSnQ0ZkFtdXd1bEpaMk5CXzk5Ym5WTjNGQTJiSEIxaDVVYWRYcFNuNmZFOVN2Uk1GR096cDhGRXRkZlZHTnZFYm84UVRfZw?oc=5) · Joiner-Anderson Funeral Home
- 2025-06-17 [Port Wentworth Council approves site plan for bank, discuss townhomes and road widening - Savannah Morning News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQSlJTTFhsZlJzaWlFZmYxeDYtbF90UUlvbGtCVm95QkFKLVJrdU9QS2xlblRLVWZQUGNYY0pYVlJ4RGF3N3padmNDamZWYll0Z3FxY2NfODJVOHFkMFVXZnZuWVBnd2VBMmtjSTR4V2NwOWpmc1lqR2FHelVPMnN2TjZnU3haX3pabVdtUGdTRzFHbzI3UV9GNlhjUzFkVHJEVUhVV0NXaWFBQ1hOU29jLUNyR0FTMTNZaWZVdXI3QTBLU3R6azNGbWc5MDFfeXFI?oc=5) · Savannah Morning News
- 2026-03-30 [REGIONAL federal credit union Announces Michael Peters as New President and CEO - GreatNews.Life](https://news.google.com/rss/articles/CBMisAFBVV95cUxPNUlBUUZjalNnNDlMTWtyRTM4M1N4MU5ONTgtd0FsajNtUlkwNW9CRHdYZUJLZEJfNFVLRUhiWVcyLWhtWTNsTWwtazM5MzJjWVN6WFJpX3JCT1VVdXh6c0llTUg5NUdCUTQ0andSN3FJV0pZcDE0RFdXbkJLZVRMS0l3dHhjRWhqbThmLVhEMzZBb1oxLXA5eWhaQ0VIY0JadGhOdlNDYU9jSTJCdU1NdQ?oc=5) · GreatNews.Life
- 2025-11-12 [Celebrate agribusiness downtown on November 14 at “Tractors & Tunes” - Grice Connect](https://news.google.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?oc=5) · Grice Connect
- 2022-09-14 [Wes Wilkes named Business Development officer at Queensborough - Statesboro Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxNYWRJYTRjcW9vcFQ1RG5CWElWdGtkdWR6VHFjZTk0aWZ1YXgwRWN2UEZQOFVjNVo1bC1PZU5Yd2l3c0FBZUtkajlWVEM5QXZvNUd5NmFMMGpzTVZ5QnhBRUFMV2lteWFuNmU2bktSNl81Nl9qSzNsV0N0b3UtX3RDVmxabUZYcnpPbUxIbzJJb3YyTDdmOG5BaFFMZEhVSkNl?oc=5) · Statesboro Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67371 (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/43.json (key "67371", 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=67371
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide