# GEORGIA'S OWN
Atlanta, GA · NCUA charter 67390 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/georgia-s-own-67390

Who the members are: state charter, organized 1934, low-income designated. 242,144 members of 8,179,466 potential (3.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 102.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.33B |
| Members | 242,144 (0.5% YoY) |
| Full-time staff | 523 |
| Net worth | $440.7M |
| Net worth ratio | 10.2% (p37 of band) |
| ROA (annualized) | -0.37% (p1 of band) |
| Total delinquency | 1.69% (p95 of band) |
| Net charge-offs (annualized) | 3.41% (p100 of band) |
| Loans / shares | 87% (p51 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 5.21% |
| Net interest margin | 3.25% (p47 of band) |
| Operating expense / assets | 3.19% (p48 of band) |
| Vehicles % of loans | 23% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 342% (p89 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 2.12% (p87 of band) |
| Repossessed % of vehicle book | 0.13% (p68 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 139% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 24% |
| Average share balance | $7,936 |
| Participations bought / yr | $403.5M |
| Participations sold / yr | $421.3M |
| Participations outstanding | $849.2M |
| Loans outstanding per 100 members | 102% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $12,925 |
| Loans granted, annualized | $1.19B |

## Participation posture (from the same filings)

Bought $403.5M and sold $421.3M in the latest annualized quarter; $849.2M outstanding purchased (192.7% of net worth), $177.0M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 0 |  | leaning on borrowings |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2017-03 | 2 | net worth falling | loans>95% of shares |
| 2017-06 | 2 | loans>95% of shares | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | loans>95% of shares |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | charge-offs p90 | leaning on borrowings |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 1 | loans>95% of shares |  |
| 2019-09 | 1 | leaning on borrowings | loans>95% of shares |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 2 | losing money | leaning on borrowings, margin squeeze |
| 2021-03 | 1 |  | losing money |
| 2021-06 | 2 | delinquency 2x band |  |
| 2021-09 | 1 | 3rd-party paper>100% NW | net worth falling, delinquency 2x band |
| 2021-12 | 1 | members leaving | 3rd-party paper>100% NW |
| 2022-03 | 3 | expense trap, charge-offs p90, 3rd-party paper>100% NW | members leaving |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 3 | loans>95% of shares, leaning on borrowings | expense trap |
| 2022-12 | 7 | net worth falling, delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2023-03 | 6 |  | net worth falling |
| 2023-06 | 6 |  |  |
| 2023-09 | 5 |  | loans>95% of shares |
| 2023-12 | 6 | assets shrinking |  |
| 2024-03 | 7 | loan book shrinking |  |
| 2024-06 | 6 |  | delinquency rising |
| 2024-09 | 6 | delinquency rising | loan book shrinking |
| 2024-12 | 4 | losing money | leaning on borrowings, assets shrinking, delinquency rising |
| 2025-03 | 4 | net worth falling, leaning on borrowings | charge-offs p90, losing money |
| 2025-06 | 4 | charge-offs p90 | net worth falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 6 | net worth falling, losing money |  |

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

- 2026-04-03 [Georgia’s Own hires Brad Johnson as Commercial Manager - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxOSlgxMDRTUGsxV2JFWlQ0RUJ3U2tZMFFZQ2U0TUFfSXhNbk5RMXNGQ2N2OE1ybm9ZU3JoSE1wZ1ozc2p5QlQwVmd1OU9JYW9kdW9JaGpMZXE4ME1TelByb21mTEhXVGZzbEFmYkxLM0U1c21TMDFZYTloOHpZN2hLNFFhWDZDTmtjaXRmLWVzOTRsbHVQVlNmZk1R?oc=5) · CUInsight
- 2026-05-10 [Georgia's Own Credit Union celebrates Mother's Day with a 450-foot sign atop their building in Downtown Atlanta - 11Alive.com](https://news.google.com/rss/articles/CBMiogJBVV95cUxOT1ItUG1kRzZWVExqcWpJTGlHQVc1MmpyQlRKczRVbkpvc3dhdVI1dDVrYTdfMWpDbVpSZ1BuV01KaVgxRkw4ZDgtV1k0cU14c2RGYXB0VXlPQkt3aWZ5dHU3cFFrVnFsRy1wNS1fQWdNaGZudV9Way1nOGQ4OGJhR2Zrc3RvWThiazNUZmhlWE9OYThVUTlVTTVuci16UGF3RXA1cHlFZnhnelJqWG9famI3c01pLWR5UHRmOGZvR0dyOVAzNkczMFZtYV9ob3B0YUJMZXQtMDZVaDVDRkJCdnNDd2pCQ3lLa0djMlZNbFFSTVIxZEJlQWdFbDNrZmRQOE9TTEJqZFFfcEVxbVA0UGp4Tk52QXl0b1VPaWQwMGRLZw?oc=5) · 11Alive.com
- 2026-07-29 [St. Marys Elementary teachers receive $3K in supplies after Georgia's Own Credit Union donation - firstcoastnews.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNUmlGZmZzdzNxbUZVSzFCWm5tR0diWGZHdjN2eTJWM0p2Zk5KRkFMME5ta3FjRlphTDlUbDFfWXR3Wmx0ZTNMTm5xV0s4cVplNWRTekJYMFFSYi1IMkswSnJrbzdSSlpKTk9VQUhzNnRRTFZuSnhPbzJwTFlTcXk5bWoxcHpXQ0oxa2dQYUtOWFJ1YWh2YzZMS3VtSWZqX2dSVGpBQjhLd1BwLTVLZ1l4eENuNG5QTGY4WDNuLWZVS3JpNUNtWEhfUjhjYWc3SkwxQ0dJdHFndHVFdGYtcHJoZHNFOWlTTUZ3VDlFY3gxdkQ5MFZC?oc=5) · firstcoastnews.com
- 2026-07-31 [Georgia’s Own Credit Union donates $3,000 in classroom supplies to Mitchell County teachers - WALB](https://news.google.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?oc=5) · WALB
- 2026-06-16 [Georgia’s Own Credit Union donates soccer balls to YMCA - Albany Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdXQtU1B1cWo2b1VIdFBDNlF0LTRmVml6Q25rNmpGUV96N0N1dThxUFVBbkFFdV83X3FjSFRIaUV5Z1c4TFlFRlVvb1E4MEJzZ0NRMWozNkg1T1hWTXc1bm51VnhrcHA1bUZIMkVhaTNhdWdaM1E4aGFGNjJQcHlKUkYxWkhtSTVDR1BlbHZ4bEo?oc=5) · Albany Herald
- 2026-07-23 [Credit union delivers more than 300 gifts to Wellstar Golisano Children’s Hospital - WRDW](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZmYzeU1KaGVNODlPbk1NS1Y2dFVfYjM5b2Rqa3R5V2ZETm1nT2tZSUJkU0t0YjFzNkRlMThIMEtvaGE5RDBWNkc5blNpUUhhaUhYN1J1R0VaWWhnSjZVNE8tUFE4OGxPQW1NVzZyQjJxd1YtTXZwR0M5cWp6TzVyX3F5aExLakxXX25McER1dE50Z0k3Y0tKN2NNRzkwNURJcGJ1UdIBuAFBVV95cUxOdGxJQkZleTdhTXJ2ZDFtYUxGalQ1WXZkMXlmbTFoRGlFakswNzZmZHhoVko2d29YVDh5SFp2WS1JRUNMdWl5UWRaM3dCbE1XeTdicTdQLTU4RDRPc2pGZnUxV0dBZmRHbjRoVFllUXVXZFRyaG9EQW4tU0d1VmN4YVFvQWhvXzVIbmhKemJxa0p0NV9lLXNOdFNtX3phYWNRVjk3MC02R0lQR2RKdFVhcVZaV1hSTExU?oc=5) · WRDW
- 2026-02-03 [Amari Jackson and Luis Nonfon Named Georgia’s Own Student-Athletes of the Month - augustajags.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNUjdULUhsTVNISWthTndzaVVmSVhmSV9KQkRnU21WZTFaVVhQNkU3dUJEMzl6RFhkUmlQR2lPSENmelpSVXAwQXVjcHd6ZkFWRWcwakRqZ2JfYmZ0YVNJOVI1YWlOTVc2U2pLY05iMUVxM25lM2ItR0w4WVlwOGszb2ZFRmxZZ08wNHJwZnVVM0tuMDdJSzBVODRHRmRpQ2h1TkF6anBfalhyUkNUNDAyWkdHQ2ZwWTJua1pDZUh1ZTNFekhMODg4bXVhYnFMcjI0YVZB?oc=5) · augustajags.com
- 2026-02-11 [Georgia softball rolls out Georgia’s Own partnership through youth clinic - The Red & Black](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPTFJRbDNqVDhPNlBHR21DeVhzXzJSdDVyQmxISE1FQkhVQWRiUF92cWtTbVFtQlVqZnVMUDJLWWRqYTZld3dlWXZWYWpUcGNRWGxGbGVZb3IzN1VTWWxXNS1scEUtaklLMkJKcVptOUNmcTc0RVFfZUNBV1pnc2tJQl80M3hJSjJMMnFoWkRWbTlkdEFYSlJIaU1reURUdVE4NmlQX2ZaQnVvekU5M3lnd1dqc0tRcThSRUdBbi1tTTE3ZVFHWW4xOVBDRGJNZUFfN0NuS2NRV1VybDBNWFpxTEJiR01aWkVOdjVqeG1Tcw?oc=5) · The Red & Black

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67390 (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/62.json (key "67390", 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=67390
- 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