# HEALTH CENTER
Augusta, GA · NCUA charter 67399 · asset band $50-100M · latest filing 2023-06 · stopped filing after 2023-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/health-center-67399

Who the members are: state charter, organized 1991. 6,310 members of 200,000 potential (3.2% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 43.

**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 | $71.4M |
| Members | 6,310 (-6.1% YoY) |
| Full-time staff | 15 |
| Net worth | $5.1M |
| Net worth ratio | 7.2% (p3 of band) |
| ROA (annualized) | -3.20% (p0 of band) |
| Total delinquency | 0.90% (p75 of band) |
| Net charge-offs (annualized) | 0.76% (p89 of band) |
| Loans / shares | 64% (p52 of band) |
| Cash / assets | 35.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p70 of band) |
| Operating expense / assets | 6.59% (p99 of band) |
| Vehicles % of loans | 62% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 99% (p78 of band) |
| Vehicle delinquency | 1.34% (p88 of band) |
| Vehicle NCO | 1.53% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 3% |
| Average share balance | $5,806 |
| Participations bought / yr | $1.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,075 |
| Loans granted, annualized | $12.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 3 |  | delinquency 2x band |
| 2017-03 | 2 |  | losing money |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 5 | losing money, delinquency 2x band, members leaving, loan book shrinking |  |
| 2017-12 | 4 |  | loan book shrinking |
| 2018-03 | 6 | thin capital, delinquency rising |  |
| 2018-06 | 3 |  | losing money, members leaving, thin capital |
| 2018-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 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 | 4 | thin capital |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 1 |  | expense trap, net worth falling |
| 2021-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 6 | net worth falling, losing money, members leaving, auto monoline | delinquency 2x band |
| 2022-06 | 5 | delinquency 2x band | net worth falling, losing money |
| 2022-09 | 3 |  | members leaving, delinquency 2x band |
| 2022-12 | 3 | members leaving | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 6 | losing money, expense trap, assets shrinking |  |

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

- 2023-02-27 [HCCU and Georgia’s Own Credit Union boards approve merger resolutions - Jagwire – Augusta](https://news.google.com/rss/articles/CBMingFBVV95cUxQdkhMSlJQODhyaHpRaVUxMmJvT1RrRVZaSkNza3pIc3V5eG5SMEdnMGVjR3NrOHFkdjhXc3A0a2RJM0hWSW5MNm0zYWo5cTIwRmVKckRYS1Vtd1hVWnlCY0dEc3JKQ0ZDaHJXRGEyajk2Q0RuS3M1dGtNWFBHajNaeGpLN0w0YVNNQnMzdkwyRzJubGJ6aC00YXlabWppQQ?oc=5) · Jagwire – Augusta
- 2024-01-19 [Augusta Athletics Announces Elevated Partnership with Georgia’s Own Credit Union - augustajags.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxNd2o5QVFMYl8wcTQ2dllkSkZvdldFUTRqYXNnRTFvWmFKaC0xNFVCVmlXbVRZcXIxUmV5N0IzaVhRWlpwcWNNeFN5VDlENXZTT2gtNkx3bXZVOFBjQzNHU0EtbVdmekpLNnl4enRIdmVlTTFvdTRxX2pZcm1TZ1RBdDU1aFVEWWtDVmFHWEZMSkVOZHBNOGFjUzluRExWMGF2SnZCOVJCN2RVVGRGOFRfbXY4YkZnR2lwYkxZU0NwNWtzMU5jU3V2TGczZw?oc=5) · augustajags.com
- 2023-03-03 [Georgia’s Own Credit Union Merges With Augusta-based Health Center Credit Union - citybiz.co](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNNDg0WmtHUzlNZ05EVkhaX2FCcUNhOHd5clZBUjhfU1RRRXpxYkJOSFZCZjk5SG5feHQzdzUwLVZiaVpra2x4UG1XcTdaWmVNcURnSnEwdElraVFaWjJvbFVKUEZ1c0JWdFk0Q1hxVmRvRXlEZDNET2FuMTJMQ29mTUtpYk90NktDZ3cwLVltRGV1OWlfMU42LTdEUHM0QzItNTctRXY1S3d4MUtNa2laYUp1eldxY0xR?oc=5) · citybiz.co
- 2020-10-22 [Health Center Credit Union CEO recognized as LSCU Professional of the Year for Georgia - Jagwire – Augusta](https://news.google.com/rss/articles/CBMitgFBVV95cUxOdUV0NkRBTDJwbG9ZV1FFR1ZQLTBwd19RQnhQM3FtdjVpWlBXdmxkVUhPZlR6Y0ZtbVgybW0zMlZzV29OeVYyVGowMElPV3JfUE5BWUdicWVTZnZDa1FiUFpmRjFQdWhOdTFLZXY2UkJQaDZmdXA5WEdNakVLZHBCeGJMS2h6c0h5aUFBeHd5Nnpzd090eUdmb1dUbEkzV3piRzltNklDc3F2N1gzazBxVDBqWmVlQQ?oc=5) · Jagwire – Augusta
- 2017-02-28 [How many banks and credit unions are actually still local? - WRDW](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNazlrMnIzRUlUR1h3aGNCYzRlTjBDSWNVY19meHBNbS1OVGlid0dnTkplSS1kWnZuQm1uUFJuLTc4aUtyTlpxSDMwWlNPMjZNWkJNNjB2U3FmOHNUS1NZWENRcXdyVmtQdGc1d0xMMXlMNHRjc191XzRMVG1IWVNjQWFWRTIzQVRqLVd3aEllajBOSm5fZXp4ZVc2eFBvdUtsaEhpM0pTUHhnZw?oc=5) · WRDW
- 2014-05-31 [Biz Bits - The Augusta Chronicle](https://news.google.com/rss/articles/CBMihwFBVV95cUxOeVdNX085dHVuZmhzMTB4akQxdFE3SERUcVhWb3lyNjR4QlRKTWtCZmNJcmEwcS00WFl0Nm80OUpaSENQMmlxQVZpY3Uzd2tkOXF0S2xRZkJOWFE0Wmkyd08yTFV1V29UeW50UWotUTBMdjRDMl9fYy1PQkhYdm1fN0x0TjFuZGc?oc=5) · The Augusta Chronicle
- 2017-09-20 [Milledgeville man sentenced to 15 years in prison for serial bank robbery - 13WMAZ](https://news.google.com/rss/articles/CBMixwFBVV95cUxNRG1XOU9KR1FNcklTRFhrUFB2QlNvdzI0UHllLTJmM0ZkVXA0aWNZTGdrQTUtN09XNXhsOUxWa0NrcThRLW52LUNEdWk1WnBqYzlBVXZ5aHpGMGtycFRCcGQ0dWE1OXl6RGhvVmVoQWZKTDhCTmktVEt3dkZJUzMtSDdFYjZVWkFZUjhTdzhXQXkzUjlIak9laDcxMGdaTmJ4YnY1V0NFRWl6QmhkaFFxSzAyR0N4ZGpHNFRzejdwUXJmN2JQZm9R?oc=5) · 13WMAZ
- 2016-07-05 [Honoring Those Who Serve Those Who Serve: Executives on the Move - American Banker](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWS1INHYtRmx2dGhNa2Yyc3lqWE15UVFWR1ZvODZZQWluLXJTRURsa3FXa3lYNHBaOUk2Q2JhUjNwRXJUU0szLVUtV3psZEE2SExVVkwyZEpMTURFT3RhOEozM0QzUVdCSjVoNS1vZklzUGV4ZjkxNWJiaDlLcTVkcXkwTDVRMk5TcVkyd1VtVmtjM3hFdnd1VVBYaHpOUXVVVXpLblNSRVVma3M4eFlMcHZZUVpMcGZz?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67399 (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/7.json (key "67399", 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=67399
- 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