# MEMBERS UNITED CREDIT UNION
Albany, GA · NCUA charter 67394 · asset band $50-100M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/members-united-credit-union-67394

Who the members are: state charter, organized 1934. 7,778 members of 313,717 potential (2.5% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 37.

**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 | $68.9M |
| Members | 7,778 (-18.8% YoY) |
| Full-time staff | 21 |
| Net worth | $8.9M |
| Net worth ratio | 13.0% (p77 of band) |
| ROA (annualized) | -0.33% (p2 of band) |
| Total delinquency | 0.35% (p50 of band) |
| Net charge-offs (annualized) | 0.44% (p89 of band) |
| Loans / shares | 39% (p20 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.04% (p27 of band) |
| Operating expense / assets | 3.76% (p78 of band) |
| Vehicles % of loans | 65% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p60 of band) |
| Vehicle delinquency | 0.32% (p53 of band) |
| Vehicle NCO | 0.58% (p84 of band) |
| Repossessed % of vehicle book | 0.03% (p85 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 23% |
| Average share balance | $4,581 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $8,138 |
| Loans granted, annualized | $6.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2022-03-01 [Janet Baxley Thomas Obituary Mar 1, 2022 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1Vc2pETk50T1ZMQTVWc3FXVDdLOWUxRENSVjdxRDE3bEhmU2ZfZ2thS21Ha2pJbjZ0Zk0xUERXS3drV1Q1V3dkT1lCVndaaW5FSkQxUjgxaTM3bnQxNUg2UGc2OTJtbEV3QUQ3SQ?oc=5) · Mathews Funeral Home
- 2019-09-27 [Albany credit union held up; police search for suspects - WALB](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVVA0MkswczQxTVczQnhjYXlqWWxIV1Z0a1h1NEdEdUpsTjNRVlpGVXdWOUFId21xWnozOEQ3Tkd4UFFKTWROQ0VPekpvWTY0cGx3eS15Xy1JRXREWUdzVXBLaXJPQWZSaDRKY0dqYXh6aW1yMC1fU01YX2dmdGNyUDZodjlfU1FXai1zddIBoAFBVV95cUxORkhSYzA5ZXdtTEhTZlhRLUhweHA2RTVwM2xtMEpyaHNJTVhVc3B0dnZ4RTlMUXdLQXoyNHhQVEVyTElPNmJiYnhzS0pDTGZUVTF1V2REN2dKU3hpTkd2alVLbHVCc2Q2ZnlhQTRTOGNyMUVHcndFR0xMVmFwRjZmUlhzYkVEb0c3dWNBeENiaDhPQ0tiQUg3eW42NnZnYkI4?oc=5) · WALB
- 2012-08-03 [Geneva Irvin Griffin Obituary Aug 3, 2012 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE1fek9ybmtmdHN6VXFkZldQN1VfRDZENWlJcVNGSVM2WTRmUWhBdXFXSFNqVDhjbU82QnJxU2szSHF2ck00RjlpTklQTEpjT2YtVnhiSE0wTnhmeHNNRXVHZTVTZlFTTnRMOXdTMw?oc=5) · Mathews Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67394 (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/2.json (key "67394", 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=67394
- 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