# CENTER PARC
Atlanta, GA · NCUA charter 67389 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/center-parc-67389

Who the members are: state charter, organized 1925, low-income designated. 125,381 members of 6,061,050 potential (2.1% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 147.

**Verdict on the desk:** this could be *participation buyer*. 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 | $2.51B |
| Members | 125,381 (14.3% YoY) |
| Full-time staff | 307 |
| Net worth | $332.2M |
| Net worth ratio | 13.2% (p84 of band) |
| ROA (annualized) | 0.55% (p36 of band) |
| Total delinquency | 0.94% (p77 of band) |
| Net charge-offs (annualized) | 0.62% (p61 of band) |
| Loans / shares | 90% (p62 of band) |
| Cash / assets | 8.1% |
| Borrowings / assets | 1.99% |
| Net interest margin | 3.00% (p28 of band) |
| Operating expense / assets | 2.76% (p26 of band) |
| Vehicles % of loans | 29% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 53% (p25 of band) |
| Vehicle delinquency | 0.88% (p71 of band) |
| Vehicle NCO | 2.08% (p86 of band) |
| Repossessed % of vehicle book | 0.05% (p39 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 38% |
| Average share balance | $9,879 |
| Participations bought / yr | $100.9M |
| Participations sold / yr | $74.4M |
| Participations outstanding | $311.7M |
| Loans outstanding per 100 members | 147% |
| Loans granted per 100 members, annualized | 47% |
| Average loan balance | $10,426 |
| Loans granted, annualized | $542.7M |

## Participation posture (from the same filings)

Bought $100.9M and sold $74.4M in the latest annualized quarter; $311.7M outstanding purchased (93.9% of net worth), $19.0M sold and retained. Sold in 4 and bought in 8 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | auto monoline |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | members leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 1 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | assets shrinking | delinquency rising |
| 2023-06 | 3 | losing money, delinquency rising | 3rd-party paper>100% NW |
| 2023-09 | 3 | loan book shrinking | losing money |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling, losing money, margin squeeze | assets shrinking, loan book shrinking |
| 2024-06 | 1 |  | delinquency rising, net worth falling, margin squeeze |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | losing money |
| 2025-06 | 2 | losing money |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 1 | delinquency rising | losing money |

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

- 2026-02-06 [Georgia Credit Union Association honors Blake Graham as 2025 Advocate of the Year - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxPb09WQ1BxUFVQb29FaW45M2dzb3poS2lNejFscjhiR2dZd2d5ek03WTI0Y3JCY3IwYlEycnBBbjllZUZaLVBQTThzX19wSng3M2RkcUJIcUxfczFQUEpHOHM2cWoxell1eDB4dXBKWXVGVFRqTVk1MG05QkxjenJ1bGE2ZnhWR01EdG1JVW91TVItTXJQaTFCS25BelpCTjUzT0U4dFB3ZWxRMzVuSzMxcjVnbjVlYWt3anQwSHZqZw?oc=5) · CUInsight
- 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
- 2026-09-04 [How to watch North Carolina A&T vs Georgia State: Live stream NCAA College Football, TV channel - The Big Lead](https://news.google.com/rss/articles/CBMivAFBVV95cUxQVWVDeTlacUZzUXJtdGdtN19GMTZOSUJtQjdyM1Rtdmgtc3ZDUlZ0V1JmY0pSZm9XYkRfLUJnVzlNVmFoTmhtb2FZeExqQ0Q3aU1Xc2thOUNRMDVKeFItcDdicEllZ2JtLTFIVGgxU0NnTUxYX3p5Rm1EUXREWnl0czdiU0lhLXBudlhCcVY3eVpiTVJWXzd3SjM1MUZuV21TcVhscTJNTEdqclY5bEgxTEZ3MGFuV01pd1kwWg?oc=5) · The Big Lead
- 2026-03-25 [Georgia State Athletics Unveils New Vision to Elevate Competition, Fan Experience - Georgia State University News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQU1VXcEZfYjk0RlRIcGFOMmZtcWU4VjE3Y242eEJjY25leFhPVnVwZTZ5Q3hkOTgtMGtGV1Z0WWQ3ZmtkZGE2d0ZGeWY0MmRhSWp5N0RaYkNBelpwbHhKVWtxV1RjMHQzQ2FOc0FiSmZadlVGWnNoQ2tkYkl3ZkFMZUZIUmI4YXVBSll6cEktSHRzS2ZaMUdmTERVT1RTYUZfYTRJODhwbE5UbDdsdl9aUE9hNA?oc=5) · Georgia State University News
- 2026-03-26 [Images: GSU unveils fresh ‘athletics neighborhood’ plans for Summerhill - Urbanize Atlanta](https://news.google.com/rss/articles/CBMixAFBVV95cUxOVThIMEYwck1WY2NLZFFONUxnbXlHYlVNREk0R2YyZTB0ZGtNOHJVUEc0VkVSaUttUEplS25yeXp0anFNRWxzNzVaTS1wTWI1NzRQSzRvLWpicG9UU1d1cW5GLWJhX1lxNEpVUmtKUjAzN01fdHdhenlDZUFNVlQ2V2xUZzVEY0lFZTZQbTlhcjNIR0tkMDNHMVVZTlBBMVJ4cVR3UXJ6QU9YdF9xam5lUDN4enNwd2pnMjhCTElSUHd1Uk1h?oc=5) · Urbanize Atlanta
- 2024-05-30 [APCU/Center Parc Credit Union Announces Definitive Agreement to Acquire Affinity Bank - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOQVhhazFqMndSWkpaMTVkZ2lBNVBlZVBxdUZuVkRqRGROblI3aTBuaGQ2QzBVckRGd1pfa1BzRWlsU3EweHdjajEtbVdMQ245TzF2RmVILXNiTkNZY1dYTEEyUzFoS293YTBMNUNhR0hCTVlyQ1pxbThBcWQtRVFyNG84YjBuSC1tMnJiRS1WaXoxZDY4eW90N1JUcm15anR0UmxTaXVtSDJBWmRmbkR1b2VFZkdZUEVjRzNKdzJGNkNrLTdsMDN3dTVKb3djMnV3NUNBUzZCZTk?oc=5) · Business Wire
- 2020-08-11 [Former Turner Field now named Center Parc Credit Union Stadium - SaportaReport](https://news.google.com/rss/articles/CBMisgFBVV95cUxQMVF1MHFTa0FESm4td194ZmI4dVNnc192Wmt3SzVOR3JOSEVRUGZ6anJQdll1VF9RVVJOMVp6dVpoaGRYazNBSWpHLWJQeUQ1Rk14UmR6V19kSWpkTGx2eWpvSkp0Q0hGVlE0WWJOR2xSUFhJSFNjVUQ0cGNZVlNsTGIyNHJfTm1WTTJibEJlZk5LZ0VhUDlZc25fTzR6T3ZTeUs3TU90Sks2QlNmZDlHVjZB?oc=5) · SaportaReport
- 2025-07-29 [Center Parc Credit Union Gameday Stadium Guide - georgiastatesports.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOem1IWmRnc2FqWHl6ZC16S2syN0d3YVZ3bU0wWlBhdWJmM1BfX3FwTl9KNnd1Tm8xNXZXOVdYQnEycURQNU5EQUdZTTMxN0xyRWpfZnMwdkwzdklqYXdrcUxRNFgyWi1QS2EzR2d0YmNMTHAwYnNXdmdheEtQU3lXOUZDOEppcFd3QkRzNS1sd3l0cHRpYm91QzZiSWZKNWFFaWRqSzVCVjhJTkU?oc=5) · georgiastatesports.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67389 (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/61.json (key "67389", 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=67389
- 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