# COMMUNITY SOUTH
Chipley, FL · NCUA charter 67434 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-south-67434

Who the members are: state charter, organized 1991, low-income designated. 15,013 members of 678,568 potential (2.2% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *fortress*. 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 | $239.1M |
| Members | 15,013 (2.4% YoY) |
| Full-time staff | 54 |
| Net worth | $31.6M |
| Net worth ratio | 13.2% (p74 of band) |
| ROA (annualized) | 0.89% (p64 of band) |
| Total delinquency | 0.48% (p39 of band) |
| Net charge-offs (annualized) | 0.46% (p58 of band) |
| Loans / shares | 87% (p80 of band) |
| Cash / assets | 13.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p72 of band) |
| Operating expense / assets | 4.53% (p84 of band) |
| Vehicles % of loans | 26% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 1.53% (p88 of band) |
| Vehicle NCO | 1.14% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 111% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 34% |
| Average share balance | $6,696 |
| Participations bought / yr | $12,128 |
| Participations sold / yr | $2.7M |
| Participations outstanding | $35.6M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $19,575 |
| Loans granted, annualized | $52.6M |

## Participation posture (from the same filings)

Bought $12,128 and sold $2.7M in the latest annualized quarter; $35.6M outstanding purchased (112.6% of net worth), $1.4M sold and retained. Sold in 5 and bought in 8 of the last 8 quarters. Shares -1.4% 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 | 4 | expense trap, delinquency 2x band, charge-offs p90, repo signal |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | expense trap |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | expense trap |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | net worth falling | expense trap |
| 2017-12 | 3 |  | net worth falling |
| 2018-03 | 4 | margin squeeze |  |
| 2018-06 | 3 |  | margin squeeze |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 3 | margin squeeze |  |
| 2019-03 | 3 | net worth falling | repo signal |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | margin squeeze |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 3 | delinquency 2x band, delinquency rising | charge-offs p90, net worth falling |
| 2020-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2021-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 2 | net worth falling, expense trap |  |
| 2022-06 | 0 |  | net worth falling, expense trap |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | net worth falling |  |
| 2023-09 | 3 | margin squeeze, delinquency rising |  |
| 2023-12 | 0 |  | net worth falling, margin squeeze, delinquency rising |
| 2024-03 | 2 | margin squeeze, delinquency rising |  |
| 2024-06 | 1 |  | margin squeeze |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2021-12-28 [Jack Tison Obituary - Panama City News Herald](https://news.google.com/rss/articles/CBMiXkFVX3lxTE50OG5GbzYzWG5nNm4yN19YTXNrcF9jbGNIdnJYV0xBRFZGdU9xQmhKWEpZYWZjTGtFNEVqbzF3d2JUaldNWW50WEZKLWNpZVE1OURETl9ualc5SEl0WHc?oc=5) · Panama City News Herald
- 2025-02-20 [South Beach Wine and Food Festival returns with another star-studded line-up. - NBC 6 South Florida](https://news.google.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?oc=5) · NBC 6 South Florida
- 2025-02-21 [CUInsight’s inaugural Advisory Council: A new era of collaboration and innovation - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQXzc1cndLRXp3TWNkVXl5V3NOSjFkNUhwSlVSSkJUTjlYdDIwX0NPSEtpMHcyT2JoSk9DX1RpMlUxOWJPdmJaMVhVbDdzaVVWTEthNjdKV2gtbXdlQXJFbHFFR1VIY1RnWlZYUWhwZmI4RUNTMGRXdXFrQTE5X1ZNYUFSVnJWNk95U3J5dmlGNEE1LW10WUxaUXVGMEJSUGxXdVMxei1uRmZsQQ?oc=5) · CUInsight
- 2016-04-04 [Panhandle Watermelon Festival Announces Lineup - WTVY](https://news.google.com/rss/articles/CBMimwFBVV95cUxPektQZ3lLR3hBSnRWaU9qZWhwTXBMcUFJT2NIYmF5RkdwQzBBLUY5RVhueENDdDlBaEx6UEVOS3dQdVllZW9hZWozR1BDUmFSNE5JWmlLYTltMjZtdnN5UGRJaFpDX093ZHplRmJVVEh0TW1lYVljTk45VGV4T214RGdtYlIxR0lJd3Fyd21qWnJQS1l3M19DVDBkRdIBrwFBVV95cUxOaHZId3JBUzBtU2dhUmdfbUt5WlpGdERJeHUwWGtRTG1OZzRpQUphVC0zZ0xTbTdPVnZDN2JZVGVZTGJUQkpBT0JKZmFkWkhwbjVxaEFGVDBrMlpnT09jb0w5aHZXeW9uOWVEdjhhVVlsTk9odktSZkxpSTdnSG1zRFp2NFNrSUtlaDY1ejZjOG9CcHBienpiSjJ0a0g5UXZXZmpDOWtzbFQ3NzdlMjh3?oc=5) · WTVY

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67434 (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/42.json (key "67434", 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=67434
- 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