# CREDIT UNION OF ATLANTA
Atlanta, GA · NCUA charter 67383 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-atlanta-67383

Who the members are: state charter, organized 1928, low-income designated, minority depository institution. 14,289 members of 51,201 potential (27.9% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 873.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $79.4M |
| Members | 14,289 (0.6% YoY) |
| Full-time staff | 24 |
| Net worth | $11.2M |
| Net worth ratio | 14.1% (p64 of band) |
| ROA (annualized) | -0.62% (p5 of band) |
| Total delinquency | 2.99% (p98 of band) |
| Net charge-offs (annualized) | 0.97% (p88 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p79 of band) |
| Operating expense / assets | 6.32% (p97 of band) |
| Vehicles % of loans | 53% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 88% (p84 of band) |
| Vehicle delinquency | 2.72% (p94 of band) |
| Vehicle NCO | 0.55% (p68 of band) |
| Repossessed % of vehicle book | 0.50% (p96 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 9% |
| Average share balance | $3,607 |
| Participations bought / yr | $5.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.9M |
| Loans outstanding per 100 members | 873% |
| Loans granted per 100 members, annualized | 303% |
| Average loan balance | $383 |
| Loans granted, annualized | $11.5M |

## Participation posture (from the same filings)

Bought $5.1M and sold $0 in the latest annualized quarter; $9.9M outstanding purchased (88.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -3.4% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 4 | losing money |  |
| 2016-12 | 3 |  | losing money |
| 2017-03 | 4 | assets shrinking |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | assets shrinking |
| 2017-12 | 3 | members leaving | delinquency 2x band |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | auto monoline |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 |  | members leaving |
| 2020-03 | 6 | net worth falling, repo signal, members leaving | charge-offs p90 |
| 2020-06 | 5 | margin squeeze | repo signal, members leaving |
| 2020-09 | 7 | losing money, charge-offs p90 |  |
| 2020-12 | 6 | members leaving | net worth falling, losing money |
| 2021-03 | 5 |  | members leaving |
| 2021-06 | 7 | net worth falling, members leaving |  |
| 2021-09 | 5 |  | net worth falling, members leaving |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 | members leaving | margin squeeze, charge-offs p90 |
| 2022-06 | 5 | charge-offs p90 |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | assets shrinking |  |
| 2023-03 | 5 |  | charge-offs p90 |
| 2023-06 | 5 | delinquency rising | members leaving |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 4 | repo signal | delinquency 2x band |
| 2024-03 | 3 |  | repo signal |
| 2024-06 | 2 |  | auto monoline |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 4 | delinquency 2x band, delinquency rising, repo signal | net worth falling |
| 2025-09 | 3 |  | repo signal |
| 2025-12 | 4 | repo signal |  |
| 2026-03 | 5 | losing money |  |

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

- 2026-08-26 [Longtime Atlanta concert venue has new name, thanks to Florida credit union - AJC.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQNHozN2ZGZVBKRmdVOVRhTVd4NmprQmlHSnhWSk9UeXh4cEFTUm9RN2tld3V2b2ZUY0ZjUk5FejhWMWcxUExsNVBTWDM5ZzQteWhPWFJIODg0NzZVcmRhSk9jMDJ1d01pUHRyVGxNWTJOQl9OYzBMNGxqbEN2NmxDcFQxanFEZWoyUlRtcVd1Z0JtSWZxa2lPSFRJNA?oc=5) · AJC.com
- 2026-04-03 [Georgia’s Own Credit Union Appoints Brad Johnson as Commercial Manager - citybiz.co](https://news.google.com/rss/articles/CBMirAFBVV95cUxNclNvV0w3LVI2eWhPb3prUVRJWTBuNm9hcVNqNUkxRnRLMW95d0Rubzc4SnNaaHdFcHFtZGtMU1kyRHpLWmI5REZxakdSWkZxblM1V1VaVjMxcTNPNWpmRGt6TFJidTZUS0Jia044NlVLSk9qbzhyYVdLWEdycjlzZ2lad0hRbWVNY3g0TnVIdjQ3R2JXZ3R2ZEpTVm91a0J4dDI2SDd5TU5lemFh?oc=5) · citybiz.co
- 2025-09-30 [Built for Moments: Center Parc Credit Union Stadium’s Rise as a Cultural Landmark - georgiastatesports.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOc0NqbjlfT3A4emN5Rmh1VUhiWkFOVWhmRXFNTEx2SmpIVjN3VFZfZ25qSkF3b2toZE94eVVGWktpc09oWjQzYUhaRkVvWlNsOU5iSmM0aHFSb1p4SlJfcDZZYWtNQ1dndjRmMHo2VHFpYXN6YkZqaHp0MmxKSjNQSUtYZ3A4VkR2QjNrdHBjaDdtZHNuZ3NiS1dPUHB5XzNpaDBISXg5QW1VNE4zZEdFRmN6Y3BZUUhJbkw3ZGs1cF9QM3V5RDE3Z3VKZ2ozaWNVU2JUN1R1Zw?oc=5) · georgiastatesports.com
- 2025-08-06 [Hope Credit Union Expands Into Georgia With Merger of Atlanta-Based 1st Choice - CUTimes](https://news.google.com/rss/articles/CBMitAFBVV95cUxOejNtZVlNcmFxTi1sWXJ2TklvbEJjd3N1WWx2VkZ2YXNBQnN2c0s3SHFnUHVMVmhGakJmU2U0Y0hCaFFWS3g1M3RzLW5sbXNNaWRRTTJQdkcxVUJwLVV1bUtNMy0zdVJIMGtSUF8ybDZxMEZiY2RwR3dMZFg5THdGZ2RSM3pzeEREd0tRMVBwR3pVWFZUMVVjVmdlNTkwUW1LekxIMlV4SmV0Uk1NYlkxS2o1R3A?oc=5) · CUTimes
- 2025-04-28 [Best Banks and Credit Unions in Georgia in 2025 - Business Insider](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbDN5eWZzRGJJT0VXZmo0Ukk4c28zRnZCbGp0NUp5MWNHRDVHVHJCSGFQdDRkVzJQWnRkTHc5eWdURHFwNDEtN1MyYXdzaFl0QTdKWi1tS1VWWEo5Rkd0bURXbFRtMTM0YTZPUG9SeENtbTRxZ291cTlvU2NLRTRkaTlIRF9pekJJRTljSllfaXNWSVpJLWg0?oc=5) · Business Insider
- 2025-07-23 [Police seek suspect in Atlanta credit union burglary - 11Alive.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNYUo0bEwtdWRrNVBXN09IQ21jQnI3YUZiYVVzZE43MTZPelpadE9vZFE1b1ZMaXlvY1U4MFl4akNOOFlqSmRIejlRZDZDaVlRV3BuVzJVM29taGltQjB0bm9iOUxXWnFIWm5OUm9wa1hmd20yTjlGQUlscWxJU25xZHhSVmF2S2tBMG5rNzExbDdDZkFGNzlacXVPTkQteTVNUnh3bko5ZVZaUXl6MHJTNU50VWY1TEtmQUJJ?oc=5) · 11Alive.com
- 2021-02-12 [Black-owned and operated banking - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdmpjWFg1cnNONDJnbHRjWkpjSXBxTXdZbTZrbWhfMHpiOThqYi1FTDRIQ1UybWdIcjM2cmphOHpMWmFUeUhMdTVidWxveGNfQXdJdDVYcDlGd0w4a1g0N1dhUVZiU1dUR3k0Y2MyYnk4NU9qXzhwd0JOSFpDNUxaRkRRZnM0N0lDM1lLbWtPal9zZGo2R05WU3h1Zi1UZ3fSAaQBQVVfeXFMT0ZuX00yak9xZDFIRDhpUlo0bHFuV0VvamlEZnkzWjRpQllsWXpucTNjTkxxMmtvRmExMTZSZXg4bWtaZDdVZVNuUzk4a1RZaWI2VFFtUDRkQUJmSDZqV2pqeFVrWDB6V04zQmhLZDdLbTU0UzZ1Um1tekVrbDlFdjlwTHhyX3lCSE13ZHlUcThTaDlUNVd3VWMtSVVwRTVzbWgzNjY?oc=5) · FOX 5 Atlanta
- 2024-10-28 [Self-Help Credit Union opens first Georgia branch in West End - SaportaReport](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNMTJIR2llVjBjV3dwNTF5MHVXdWZZMFB0a1RqT0hjc1JxdTBFTTdqaUNlMmdjMGtjeWo0c1JGenRLcjYtUG9NZHg1QktHbFpVQTFuZXZFX1V5N0hRY0ZkQWFQWmwyNFp4NTcxcXNPNmVKemNqa1R1eHpOYVF5TmlmT0UzMGotRmVTczVhUTIwZW5RTUtfR0o4VmJCMWpsZDEzZUtFQ2lZZGNwV0llRzU3UXVUb0tsUkpqcnZNQ21pZHYtREE?oc=5) · SaportaReport

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67383 (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/55.json (key "67383", 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=67383
- 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