# THE WRIGHT
Toccoa, GA · NCUA charter 67564 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-wright-67564

Who the members are: state charter, organized 1963. 1,820 members of 5,000 potential (36.4% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.4M |
| Members | 1,820 (1.4% YoY) |
| Full-time staff | 6 |
| Net worth | $2.8M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 0.56% (p49 of band) |
| Total delinquency | 1.92% (p77 of band) |
| Net charge-offs (annualized) | -0.80% (p3 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 29.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.87% (p95 of band) |
| Operating expense / assets | 5.54% (p85 of band) |
| Vehicles % of loans | 46% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.29% (p44 of band) |
| Vehicle NCO | 1.78% (p92 of band) |
| Repossessed % of vehicle book | 0.21% (p94 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 17% |
| Average share balance | $4,549 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 49% |
| Average loan balance | $13,795 |
| Loans granted, annualized | $5.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | repo signal, loan book shrinking |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 2 |  | delinquency 2x band, repo signal |
| 2017-12 | 0 |  | loan book shrinking, net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 1 | loan book shrinking | net worth falling |
| 2018-12 | 0 |  | loan book shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | assets shrinking |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 | delinquency rising | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | delinquency rising |
| 2021-06 | 1 | auto monoline |  |
| 2021-09 | 2 | delinquency 2x band |  |
| 2021-12 | 1 |  | auto monoline |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 3 | repo signal |  |
| 2022-09 | 3 | charge-offs p90 | delinquency rising |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 2 | delinquency 2x band | charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | repo signal |
| 2023-12 | 3 | delinquency rising, charge-offs p90 |  |
| 2024-03 | 4 | assets shrinking |  |
| 2024-06 | 5 | net worth falling |  |
| 2024-09 | 4 |  | assets shrinking |
| 2024-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 2 | margin squeeze | charge-offs p90 |
| 2025-06 | 0 |  | net worth falling, margin squeeze |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 4 | net worth falling, delinquency 2x band, delinquency rising, assets shrinking |  |

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

- 2019-03-22 [The 7 Best and Worst Credit Union Apps - U.S. News & World Report](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSEFMNjNDV2VYVVRKZ0pWSlExdWlzLWEzT1lFYmFXeDJFR3QtRkdyOWo3QzZnSnZZZWZCVkttellLRHBNVVFsNkVXcDBYUG1mVkhpMHBNdUdzejZoVTF1ZGFyVkw5dF9hWHBWVE9SQmwzUDRFRVNPUFYxbW5aTUVHeDVKY3I?oc=5) · U.S. News &amp; World Report
- 2024-01-18 [City of Lavonia Ends Use of Jones St. Extension to Access Highway 17 - 92.1 WLHR](https://news.google.com/rss/articles/CBMijgFBVV95cUxPT19IYzFiTEQ2bFVkMlcwSXZyMnI0T0xwMlNtZVhnVFZQb0dEZl9xMnRSeU1Ib01PNlM0eWxIby00NHNLMkRpTTUtTXdDYVlFb3RFcWFIQk82dUE3NlI0STVBWDZlMW5YN25EWkxPMXBUZ18yc2FLODhObEFYS0xGWWV1V0JFMlFMamhvRWZ3?oc=5) · 92.1 WLHR
- 2025-10-01 [Women in Business 2025 - Savannah Magazine](https://news.google.com/rss/articles/CBMibkFVX3lxTFBUT0g5TjB3bFZxNXBZTXpEaW1md3gwaVRnbVhOUXh1QWZLUGJJOG52UklpLUdrTXZMNEZCRVBMUzkyLWVtenhTRC1McnFFZFp1bER4TFFkNlIxQXpSbXgyVVAwWEJvdXc0NlBNREJR?oc=5) · Savannah Magazine
- 2022-01-23 [Georgia United Foundation sponsors tax filing assistance program for Dalton community - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNWGRpZHF6bWpMaExGM0xac1dMZVRLV01XUVlyaEdwb2pHbG5OUE1RNW10SC1URzFIMWxnejY2T2t0OFZ2cnQtd2NndTZaeEliRk5SYkNPczZhQmJBdVBiUzJ6eDhYbENJWkkzel9qM0ZYUVhtZXhaQU80bDNPWFJZRUEzS0ZNMG1Cbl9XZnhlRDU0UHBMQnZJMWZLX0xWNFpxd2F6anJtY2VXZmxvNHJkT19mRGZPbTJpT2k3ZUE1bkU?oc=5) · Dalton Daily Citizen
- 2025-12-16 [Replica of engine that powered Wright Brothers’ famous plane will roar to life Wednesday in San Diego - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPZXAxMjd1Z3RPOEYzbURCMFBhclU4MWtyZ1E5NlJXancyTkV5M1JFQWFuVVdfV052UWFZS19IOHZ5RXJIa082SXpXdjFSeExLZmxLeFdNcUI0cVpsQmFFUHBKdGV2blpmNGZ1X0dseFA5LW92bTFVbjlKUk9YQWJobXVYbDlEOXg1YmpLMWg2MjlZblhoZElvTkNQU19FdFdBWmFHWjVEbmFQMzYxZ1EyME5GTWk3Nl9LUXM5T2xaWmZZYW9YcE0wY0hYRVhOVHlxVEZnSDZDM2RINzFuZTZDaDV2aw?oc=5) · San Diego Union-Tribune
- 2017-12-05 [Obituary for Jacqueline Sanders - House of Wheat Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9TOTk1el8ydGRZQlZmb3VpMzU3Tk1JY3NwMDJROWhJX3dzZHFKR1FrTTZjRzc5c3BzQk1ZdjVlTzJnNHdlRFJSNDJSbm5sSU5RcmE1bFE3ZVNXa2hhbmh2cmFGbENHSkk?oc=5) · House of Wheat Funeral Home, Inc.
- 2021-11-30 [Steven Wright Obituary (2011) - Savannah, GA - Savannah Morning News - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQLW1RYzFoY0ozRTM2V0FfS1lHZ0xiemdIQTNzWFBaZjI0eEw4VDJ6ZjVseVNRRDFPZ2MxQU5RMkFLbjBRdWdCOEZ3aTMyZzljWW9yMVYzSDhwV2hFZ3A3eml6bzRvTHBlRU1ETkxyX1pvM21ETTFfTFNCZ2Y5QjN2Z3RtWVllTGJuOW5PcXdn?oc=5) · Legacy obituary
- 2019-01-05 [The right facts about the Wright brothers’ time in Cedar Rapids - thegazette.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQN19xQkhUbWhSenFheVhWRzVNZTBmLTBCVEdxRnM0XzZldlZESXZOa0lBTWFOdUFReWJkWWVxRDVEM2VPX2QtTDBhb29hN0NOdWluaUszaGk4WjdKUnBPWUp3VHNMZ3U0RElyT0dmcmVzOERuWm1CUU9QZlF4QmZDUUZ4Mm1PLW5wZEJuZkNDR2VTUFFaUjY2TFQ4NndSbVdTQVVEYXBqNTd2bXRVOFFBMW1DeUVaeE5McFh2VW1JdFl1ZEplYnNTbk14X0NydnhUTUM2TVBwZnNKMlREVVdXYnh1Tl8?oc=5) · thegazette.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67564 (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/44.json (key "67564", 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=67564
- 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