# NORTH GEORGIA
Toccoa, GA · NCUA charter 67395 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-georgia-67395

Who the members are: state charter, organized 1991. 11,638 members of 91,000 potential (12.8% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 992.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $116.5M |
| Members | 11,638 (-4.5% YoY) |
| Full-time staff | 46 |
| Net worth | $13.3M |
| Net worth ratio | 11.5% (p47 of band) |
| ROA (annualized) | 0.41% (p32 of band) |
| Total delinquency | 0.46% (p38 of band) |
| Net charge-offs (annualized) | 0.16% (p28 of band) |
| Loans / shares | 87% (p85 of band) |
| Cash / assets | 13.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.58% (p89 of band) |
| Operating expense / assets | 5.51% (p93 of band) |
| Vehicles % of loans | 26% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 73% (p63 of band) |
| Vehicle delinquency | 1.03% (p72 of band) |
| Vehicle NCO | 0.69% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 28% |
| Average share balance | $4,605 |
| Participations bought / yr | $5.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.8M |
| Loans outstanding per 100 members | 992% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $767 |
| Loans granted, annualized | $34.1M |

## Participation posture (from the same filings)

Bought $5.8M and sold $0 in the latest annualized quarter; $9.8M outstanding purchased (73.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)

## 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 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, members leaving |  |
| 2020-09 | 2 |  | net worth falling, members leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 0 |  | expense trap, charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | expense trap |  |
| 2024-09 | 0 |  | expense trap |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 2 | expense trap |  |

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

- 2025-10-16 [North Georgia Credit Union wins Excellence in Business Award at Chamber Awards Banquet - WNEG Radio](https://news.google.com/rss/articles/CBMirgFBVV95cUxOVkNNNmdKUXVETHVWM0dUajR6RUtxbmRCTEEyMERmbGx3bHMwcFFwZkNXWTc3UjJWTVZST1h4QnhnbXhPWVJDZklFdThpOG9UU0w0dHZnX2swT2J0QkpST05ZSFNWSHFkeV81NHNPNGZhVDlQSDJIX1B6clowUWczV3dwcXFiUXlLcFBsWDYwN0JwRDNjMGYwdUxpVEFMUy1VeUlqSkswRTY3azBkWGc?oc=5) · WNEG Radio
- 2025-05-19 [North Georgia Credit Union celebrates Grand Opening of new headquarters in Toccoa - Now Georgia](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVmZveWJrNlNhYUl6YlpfcHhLNlNoUjZ4dExPeXdCZV9qUG5iZHptZkJPMzY5WHJKUWFBeUI0TmRCcG44YVJNQlc4NUxZekNUeG9fSVJCZElHa1I1bzBGclVnTkpDcmJrSUk4X0JRNDh3eWNtSnBsSWcyb05VUHpSbzZMN0NVS3lWcUVma0h0MGNPUmVXWm5reFlSdy1ZUUo3OGR4dm9kTng?oc=5) · Now Georgia
- 2025-02-22 ['We're upset too' | North Georgia Credit Union blames card processor as customers report debit card issues - 11Alive.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxNYkFZS1BjVmRjMk5ORFZrSXExVWNLTnkyTGN3a3FHeGV5RENINnBGVWtuNjNFSWpsSFpFYlBReXRBNzNQcjdyVmdJUTJWTkJfTEFlSGxqaGo4MTFWek5kYmNfaHFSRnhJU1RsWXo0WHhxemZSM09rTzdVMDJSaHNNZDJ4d3RRaDhVSmsxZi10NFpMMTFyN3J0NDExa3dUNU4wa0FyY3pGYlF0MXRfdEtwVWs4dEc5Q2ZLeXVaYlJWX056SjhkMmc?oc=5) · 11Alive.com
- 2026-05-20 [Katie Beth Carter Obituary Sep 5, 2016 - bucknerfike.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTE80bmxYVVFuSngtOHRTakV1Snh4Y0k4LThnUXQyRTdzc1JvSWE1MTlpYzdfekhvcDRzX0ZGbUlGVEVjUndTNGdidHIyNy1NYWZycHEzNEk5Mk1hUQ?oc=5) · bucknerfike.com
- 2026-01-06 [Brad’s Coat Drive wraps up today. Help us collect coats for north Georgians in need - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2026-01-08 [James Lamar "Lumpy" Norris Obituary (2026) - Toccoa, GA - Whitlock Mortuary, Inc. - Toccoa - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPc0N3QTUyblBQN21qWlVXQzRRX1ZDb2JDcE9LTWpQYkpZUWE0RVhuYmFKblFiMlhlY20xckItTHZjSTZZYjFfekJYN0hSX25EdDNyQnVVZUo3cFpDQzRuTm5ZcTlXWV9jRGVWRmozT0lIMUIxalNCeVg4VnFmTDd4RA?oc=5) · Legacy obituary
- 2022-08-09 [Tennessee Valley Federal Credit Union expands into 4 more North Georgia counties - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTFdDNVIwX2J0TW1XODNiZExYZlpKbzkyWEFlRnZpNVFJSHZNUVZaY3JIdC1BWFpmaldaeDZhRmdkTFUycHRObXRYV0JKOUlvTXMxZld4aUNTX2NqbzJScWFhdXZrN1pYRnpaWVl6OUJqeDJWdjk4Q0VLcUxCSWM4UVdtcVFpZzJrVUtOakdMYkgwQUc3RjUxZ3cxZHcxdWRF?oc=5) · Chattanooga Times Free Press
- 2026-08-18 [James Ronald Martin Obituary May 21, 2007 - Northside Chapel Funeral Directors and Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5ISVFiakhTeEpvdWV5VHZLTGx4YWJPb09OZkgtQ2tIUXd3RUVHeDI5WjA4Tng3UzR3S3dTN2ZBX3JGbUJtZUF5T003VWZOeHRjOXVISWVlSEtibzhNRkI2MjMtdkpWdw?oc=5) · Northside Chapel Funeral Directors and Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67395 (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/3.json (key "67395", 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=67395
- 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