# COOSA PINES
Childersburg, AL · NCUA charter 6774 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coosa-pines-6774

Who the members are: federal charter, community charter, organized 1950, low-income designated. 25,798 members of 1,000,000 potential (2.6% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *ordinary*. 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 | $413.6M |
| Members | 25,798 (0.8% YoY) |
| Full-time staff | 58 |
| Net worth | $66.1M |
| Net worth ratio | 16.0% (p92 of band) |
| ROA (annualized) | 1.63% (p93 of band) |
| Total delinquency | 0.79% (p67 of band) |
| Net charge-offs (annualized) | 0.72% (p78 of band) |
| Loans / shares | 71% (p45 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p75 of band) |
| Operating expense / assets | 3.05% (p24 of band) |
| Vehicles % of loans | 45% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 38% (p37 of band) |
| Vehicle delinquency | 1.09% (p79 of band) |
| Vehicle NCO | 1.73% (p86 of band) |
| Repossessed % of vehicle book | 0.04% (p59 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 29% |
| Average share balance | $7,100 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.4M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $15,776 |
| Loans granted, annualized | $96.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.4M outstanding purchased (6.6% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 7.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | repo signal |  |
| 2017-12 | 0 |  | repo signal |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 2 | delinquency 2x band |  |
| 2024-03 | 1 |  | delinquency 2x band |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-01-07 [Coosa Pines Federal Credit Union: Money Saving Tips | Talk of Alabama | 1.7.2026 - WBMA](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQdzRiWUhEa184b0tWVUtPamg1OFQ3dHB0bml3QTZFY0wxekE4RHoyVWJNcm96bDFwM1RwQkpYSENOaklkQm5YZ2JXcGl4SzZBRTVRRlEzZ3RVb05jRklBVWNnQlM0QTN2Qk41V205VWJabm94LXdLRWttZXpFcXN1REVndVdKbUNMaVJKaU9EaXhuNHlWUmE1YTJMejZqd1VpVHkyeC00bVNQSFZ3NjAxM0RHX3ROMF9N?oc=5) · WBMA
- 2026-01-01 [Fraud Tips: Coosa Pines Federal Credit Union | Talk of Alabama | 1.1.2026 - WBMA](https://news.google.com/rss/articles/CBMirwFBVV95cUxObkhfU2djWG96TE5VZ0xaTk9QLWdFM2VpTjhDOVR0TElqZ1FXbmFHbTNrcVhtNHVqQzlXejlyZ3VsVFR0dmhMckJ2dER0bEVUckRwc1ROVFh4N1I1VFBDNVBzNDZPVFhBOXJacUdwcnFXZ1E2UU1mMGNxX29tU3c2UTBrTG5pam9mN29oNkRuaUlCMG01a2xXMGRvSFhZTEIyOHFhUWJYTnZIQmRqSTdr?oc=5) · WBMA
- 2020-03-03 [The Ladies of Coosa Pines - IAM Union](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBEMUJvTXMtOGdKOG1mblF2eVBCVWhmclZWRmVxYW10dkxycDZkMDgtdUYtZklucDhxM2pYMENaYmRpOGIzM1FnX2lEYmZjMEI5WXBSbTYxOV9Za25GMDNRSklJMA?oc=5) · IAM Union
- 2026-02-04 [Coosa Pines Federal Credit Union | Talk of Alabama | 2.4.2026 - WBMA](https://news.google.com/rss/articles/CBMioAFBVV95cUxOaGZKNmRPeXBEamVOMmcwemkyR2ZBeEFra092YU83MVpFNS1RUndRNDNmTHhqUmNpT3RVU01sRUdLUDAzamIyN28wWkVBUEJtQXpadk9hQW5mU21ieVRjRk9xREtacVBTZi1uRUxWZkRKSFVtWU14UnB4UU9EVkMyQWZOd2tBTUVGOWlPUUJmc01Iekt1UmtQTlZYc3RObmM1?oc=5) · WBMA
- 2024-06-19 [Coosa Pines FCU earns prestigious title of 2023 Credit Union of the Year - Sylacauga News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOc1c0TzhobGZBeWl2cm14aWxycmMtcjlvZzh5ckNPTEhBZkp0VGNHLW1VY2dBVldoek9oLXprY19KMTV4WGpBZHoyS09mY20wZ2hWcjl2Z0hhVlYtUS1OLUJuT01wLTd5ZTBGZjlrVE1Fa1dDaUdEbUQyVlNoX0pFUHpha0xyTWtMdmJtWlJpblg2YXg2cWc?oc=5) · Sylacauga News
- 2022-06-10 [Coosa Pines FCU prioritizes local youth - CUInsight](https://news.google.com/rss/articles/CBMihwFBVV95cUxOR1ZFdFVDUzhxT2hvalV6bXpPbzhiNVo3WXlBTHFDM0dXV1hORnQyYUUwdzNFTWp0STBQdGliS20yMHFEU3RKMXRaRkE3djBKdW8wZXl5b2xKZ19kNzJuZV9EYzBPc0E1LWVWdnVLLVhjaHNwNE85Z3NDckhCUldWcDFZMDhrQk0?oc=5) · CUInsight
- 2026-03-25 [Inside Alabama’s credit union movement - businessalabama.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xbDYwZ3JkY0JMaXNPSmlMU21DZF9VSHg1TGRnVG5YQUVTUTFncThEbzlqN3JDOERBMXRwT2h5ajhQLTRlNTAzU1RrUDhLZ2lKYUd0NHBDNlZidEU2RDJnbGJoVXBvRVEycUhhbDVXd21QZWtI?oc=5) · businessalabama.com
- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6774 (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/54.json (key "6774", 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=6774
- 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