# FORT MCPHERSON
ATLANTA, GA · NCUA charter 67706 · asset band <$50M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-mcpherson-67706

Who the members are: state charter, organized 1991. 3,735 members of 251,640 potential (1.5% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.3M |
| Members | 3,735 (-4.1% YoY) |
| Full-time staff | 5 |
| Net worth | $0 |
| Net worth ratio | 0.0% (p0 of band) |
| ROA (annualized) | -8.22% (p0 of band) |
| Total delinquency | 0.63% (p59 of band) |
| Net charge-offs (annualized) | 0.53% (p84 of band) |
| Loans / shares | 38% (p34 of band) |
| Cash / assets | 59.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.82% (p67 of band) |
| Operating expense / assets | 12.12% (p99 of band) |
| Vehicles % of loans | 58% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 0.97% (p74 of band) |
| Vehicle NCO | 0.83% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | – |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $4,845 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $8,144 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, losing money |  |
| 2016-12 | 0 |  | net worth falling, losing money |
| 2017-03 | 4 | thin capital, losing money, delinquency rising, repo signal |  |
| 2017-06 | 2 |  | thin capital, losing money |
| 2017-09 | 4 | thin capital, members leaving |  |
| 2017-12 | 2 |  | delinquency rising, repo signal |
| 2018-03 | 3 | assets shrinking |  |
| 2018-06 | 1 |  | members leaving, assets shrinking |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | members leaving |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 5 | thin capital, losing money, delinquency 2x band |  |
| 2020-09 | 6 | net worth falling, margin squeeze, repo signal | delinquency rising, delinquency 2x band |
| 2020-12 | 6 |  |  |
| 2021-03 | 8 | capital below 7%, delinquency 2x band | repo signal |
| 2021-06 | 8 |  |  |
| 2021-09 | 8 | expense trap | delinquency 2x band |

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

- 2022-02-22 [Georgia’s Own proposes 2022’s first bank purchase by credit union - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdjJhSVlLUWxpVUtoQjJ3YjFDV3FuaUxfbEJkQXk1Wm52UVlEcjBldU1YMF9mNFVweDVIaEV1eGFidHA5c3JtbHRaVVRqQU9pV0hXNmxhb2hyZ2FIck9rZ0xWeW1WYjRSaXFyejlzalNkOWtWVG5DOE9lNi1tUTFlSHhGY1RUVzNDdzUxWjkxU2k3MzdrVTFZaG1zRHE5YXJEbGFodGNPUQ?oc=5) · Banking Dive
- 2023-06-21 [Floyd Edward Rodgers Obituary Jun 21, 2023 - Searcy Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfS3h1dUROVUlRRUxpLS00RXZpNVN5UjNRS0c1aC1jdjZtOEo1ZEU5S1FTQXNaX3ZCeXphZDFmbmo5VkNCX0lKc3BtQ0FIcUo0b2lQYzlPdnNrT19EU1RNSGU0SUk4UmZNRWc?oc=5) · Searcy Funeral Home and Crematory
- 2014-10-27 [Fort McPherson – secret treasure can spark rebirth of Atlanta’s southside - SaportaReport](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQYk5rYURXX293c0o0UnkyNG1YcWVIeS11NFA1RHhiSW05czNjc2pSZlpSZlF5OEJDZE9kbjlweE1abk5SaFpaUG53NHdjTF9MRE85N1Q0eGhrYVZ5Q2thN2VDNG5lRnd5S1dwdUVuRnRLRGpBV1I2WWZodDZWaDR5ZWZieV9FSVNFZkk3bEhZUkdSbU1jV0lRWVZGVFRCcHl4OFM3WW1QQzg2WjV4YjhVdEZkaVYya1J1Y2VTOVdpbFZCOWZfX19JXzNUVVY1UFFmSVE?oc=5) · SaportaReport
- 2015-06-18 [Atlanta taxpayers asked to spend $510,000 on new road at Fort Mac because of Tyler Perry's roadblocks - SaportaReport](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOVlZlaGJLZEJqdFNWT1NZUXJ0NG9JOWdZTGRROUtUVkZQelBLRUR1Zm5yaHNEYlE4Wk5XQVdrM245RXlMRHcxU2toZnVBdHJVdmo3Q2N0ZDVNZHliNmVER21Hb1o0b0J4dFFPWHROdlRTZ25MUVhQSWFQZ3ByVE9seldYc0VCR25QaWVNemRNOERXUXU0dGpiODQ0UU5aaEIzSlJHRjQyaXg0bjBOMlFLZmFMeXpMQ3NyOUpwSFAydmVpNWVKclNybkh3akQ1NWpyY3dtYmV2cEZTd0ZSamlrS21QOHRmYVpLdWFqLTk1bw?oc=5) · SaportaReport

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67706 (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/58.json (key "67706", 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=67706
- 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