# JEFF DAVIS
HAZLEHURST, GA · NCUA charter 67655 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/jeff-davis-67655

Who the members are: state charter, organized 1968. 352 members of 1,300 potential (27.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *too clean*. 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 | $3.5M |
| Members | 352 (– YoY) |
| Full-time staff | 2 |
| Net worth | $360,916 |
| Net worth ratio | 10.2% (p31 of band) |
| ROA (annualized) | -49.40% (p0 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.56% (p73 of band) |
| Loans / shares | 18% (p4 of band) |
| Cash / assets | 72.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | -39.09% (p0 of band) |
| Operating expense / assets | 11.50% (p99 of band) |
| Vehicles % of loans | 10% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 23% |
| Average share balance | $6,335 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $5,624 |
| Loans granted, annualized | $224,894 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 2 | expense trap |  |

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

- 2023-02-08 [Altamaha Bank ATM Machine Robbed - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMieEFVX3lxTE82LUdVemdWV21NdlJsM0ZrLU5KZmZtdEo1dVMyTExVSWxyLUtaQ2xQUFFqSHE0YUxVUVoxaTRkbTh5TlR3a29CRDU3cGhUSTNkbktTSGdzWUtVcDR5SkhrcWhoVG1UcXQtcjFnRmFiU004LWpYNlhGUw?oc=5) · Jeff Davis Ledger
- 2023-08-29 [Hurricane Idalia: CLOSURES & CANCELLATIONS - griceconnect.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUHlGX0Nyc2k5YmR4T0ZGbjdjcEdGdFQxX2xONlh6OGNldzZQWmVmNXU2S2MyT3pfMWZEOVhGbUNPTHF4T251Q3duekprc2tqNUlWY2dHZV9PZ3BDMDlwb2pqeElZZWdqYW15ajA3VUhhMm5EeTljc3hFMk9ObHJZeXpNSHB3QzJfVnVINQ?oc=5) · griceconnect.com
- 2024-07-10 [Legal Notices Printed 7-10-2024 - fayette-news.net](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQUUZqaWR5aDQ1UmZ2RzZlRlNaZjllVmloX2xlVzZjWjdSTXA5RHZWSEZkenduaVFJaUdoRDVtQV85RmVaLXRZVE5lOXVvTUpBTXgtcmY1Wk5qcGJ0LTlnSVNnNjR2RmtVWndiLWlWdTdSZ19qeXFVdUNRTjFaM0JYU2NtRmRGc1YyR3pwQ2c1dUtMbHVoOWloTWI2UlhMMURONUcweXRnTzBkWXNMNE9Wb2FBLWRWcTVwVGRaX0JobHZHdw?oc=5) · fayette-news.net
- 2015-01-14 [Wayne Coffin Obituary Jan 14, 2015 - floydmortuary.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5ZLURqejF5bXRSSFV4NVhvYWVNd0oxQ1Nzemwtd21JQUVIeURLVm5ZWWRzcFl1NjF5OVZFdVRYeEc2cnIxa2x5N1hvc0NhQmtvTWdxUWN2T2tydTBvLUc0TkNucw?oc=5) · floydmortuary.com
- 2021-11-29 [Pierce County man jailed following crash that killed Brunswick child abuse investigator - The Florida Times-Union](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOWkRiTmU1OURPUG02ODh1TWhRNmtxeWczUlRCT0l2TDdBS1pKZkdrd1F0UGk2RkFIeHB4Vm1pZkNMQ0RDSS1femxieDVQNHV3N1NtYzQ0a241Vml0alJySGM1VmpiUDM1aW9BMGJYWGlLTlBoaGdvbk9Fa05FMkFXcE1FektKVFMybWo3clpBTDFZNVpFcFJZZ2lEREV1RWNFZlFqVTZyaTRZdF9uNXl1cU9XR0VGNVBJZDdBUFFTQkZlU2E2eWl5V0g2ZnNTT0hnM0wtdUZB?oc=5) · The Florida Times-Union
- 2021-10-10 [James Hambrick Obituary (2007) - Fayetteville, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQNUxiTDZwS2x1c1BFMElOVlhzZWRhVGEzcjRqUGdicjA3SDNlR29jQjdPVTlxMFBabmtsRnlVek1LTkd3dGZYZDc4U2RTeVoyVkttMzBnbTIwTVdDQmJqVVB2QzJvLWJCbzJMUmFBaTlTYXZyaHhOS0lWTnEtaHBKcTVaUFdsNjVnNlNOdTZR?oc=5) · legacy.com
- 2022-05-04 [[SMILE!] A Growing Dental Practice Has Georgia on its Mind - Tomorrow's News Today - Atlanta](https://news.google.com/rss/articles/CBMihAFBVV95cUxQWnBiRzVFUk5COEhVU1E4ZEZKUDRfcE9vWXM3ZWpVSFRuQnFMMTA1ek9jUjlkMXMxeFZpT2lMWnp4VlpBSW93WDBKR2JKRHBkT1ZrdFVsVjVIRmR0ZnJfU0tBMFN6OTBxQWhHcGRQMWtWRkhTZ0g3VjFSVmNEdDk2MDkxSGI?oc=5) · Tomorrow's News Today - Atlanta
- 2026-09-08 [Hinson Mosley - theblacksheartimes.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5DN2lKbGFxRHV5aTVwRmtCajlQYUl6T1VzZWpNNm5BVGhFRWNGSmxrU2F3MFVTbjFzVFYtNUlnZm9YUWJtRFNCZ0pHaG9ZbnJNVVVBc05VRG9rRWl4VVBwOFZjWXl6c0dRaFUtcHpzZw?oc=5) · theblacksheartimes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67655 (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 "67655", 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=67655
- 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