# THREE RIVERS
BAINBRIDGE, GA · NCUA charter 67913 · asset band <$50M · latest filing 2020-06 · stopped filing after 2020-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/three-rivers-67913

Who the members are: state charter, organized 1955. 3,548 members of 24,500 potential (14.5% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 20.

**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 | $12.6M |
| Members | 3,548 (-27.8% YoY) |
| Full-time staff | 7 |
| Net worth | $1.3M |
| Net worth ratio | 10.3% (p31 of band) |
| ROA (annualized) | -3.78% (p1 of band) |
| Total delinquency | 3.00% (p86 of band) |
| Net charge-offs (annualized) | 2.27% (p95 of band) |
| Loans / shares | 40% (p27 of band) |
| Cash / assets | 26.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p47 of band) |
| Operating expense / assets | 9.29% (p99 of band) |
| Vehicles % of loans | 57% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.94% (p82 of band) |
| Vehicle NCO | 3.65% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 22% |
| Average share balance | $1,534 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $6,121 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | repo signal, auto monoline |  |
| 2016-06 | 2 | delinquency 2x band | repo signal |
| 2016-09 | 3 | losing money, expense trap | auto monoline |
| 2016-12 | 4 | charge-offs p90, auto monoline | delinquency 2x band |
| 2017-03 | 3 | delinquency 2x band, delinquency rising | losing money, expense trap, charge-offs p90 |
| 2017-06 | 4 | charge-offs p90 |  |
| 2017-09 | 6 | losing money, assets shrinking |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 3 |  | delinquency rising, charge-offs p90, losing money |
| 2018-06 | 4 | loan book shrinking |  |
| 2018-09 | 5 | expense trap, repo signal | auto monoline |
| 2018-12 | 5 | charge-offs p90, auto monoline | assets shrinking, expense trap |
| 2019-03 | 5 | net worth falling, expense trap, assets shrinking | repo signal, charge-offs p90, auto monoline |
| 2019-06 | 5 | losing money | net worth falling |
| 2019-09 | 6 | members leaving |  |
| 2019-12 | 5 |  | loan book shrinking |
| 2020-03 | 8 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-06 | 8 | charge-offs p90, loan book shrinking | assets shrinking, delinquency rising |

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

- 2026-05-18 [Boys golf state: LO's Woolworth leads in three-peat bid - OSAA](https://news.google.com/rss/articles/CBMirwFBVV95cUxQeG5NMEc5aGhjWVItVnVvWmh0dWdZZWt4N0ZYZGYwTHdrZlNEVER5b1Vxci14TVZLbjVDZmlvRnhkcU0xeW9zNFZkVjI0alZjWXFnNDBCVlgxX3pfa2o0azF3Qk9KRFpBb3dheUhoWGMtakc1YkVROV9YQ2I4WlhmQkJ1eXZEaVQ1ampYZlM0ZlJEcl9mUTlMUEdCVUprRTAtSF9BZ2lOOTM5Y3pzNE9N?oc=5) · OSAA
- 2019-11-05 [Two credit unions to merge into Georgia's Own - americanbanker.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPWU9VN24wczl5Yk1uQkZuR0hEcGNkcDN3eEpzUmo3QnIwTVhGZ3hQcDFCVjMwZXVvc09DRXJXZ0Z1bThXRUlwbFJxNGM2bU95OThvRE5IcFNqazgxeHRObkdUR1FmdkF0VzFmbkZrUWpwanBqTXhGSzN5cHdDLVN4YVowUGFlOVB6TnRoUzZVTFhnUGhNdDNiQg?oc=5) · americanbanker.com
- 2018-07-31 [Three Rivers Credit Union sees change of leadership - The Post-Searchlight](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTDlRMl8wMVRwOWdLZklNVFQ1VXdmOUszMDNKTHB4RmRfcmpnYUFkQ0lMdXk1RndJR3lVYm5UYUhEdS1FVjMwZXBvdlpxZGdSMkk1RUJuTUlDNXhYM05LU2lyZVJrejZ0WERhN3prc1RQR0pnMWhKa1ZHN25zZDhPWGhpS2M0Yy1MWXQwZmd6RV9fMk9qSlRsdkRn?oc=5) · The Post-Searchlight
- 2014-10-07 [GNTC Foundation Holds 16th Annual J.D. Powell Memorial Golf Tournament - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVVRGQlo0cEpyOUZWQWI4TmRqRzlwamZYU0FCVjd4eTJtcGM1c2xWZEpuc1FLYmhtZU9TQmtVWndCeGFLWU54ZUx6UWczMlZ3ZkJoVHp5aHpUSHUtQ1Y3N0VXbEZwSVM3MGZZUDZ6clNzR2s2QUZyaUZSMEc2RllvTjByaVMxcHVOREpqcDVMYlVZVnc?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67913 (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/9.json (key "67913", 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=67913
- 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