# GEORGIA GUARD
MACON, GA · NCUA charter 68291 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/georgia-guard-68291

Who the members are: state charter, organized 1997, low-income designated. 717 members of 5,000 potential (14.3% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.4M |
| Members | 717 (0.3% YoY) |
| Full-time staff | 2 |
| Net worth | $177,071 |
| Net worth ratio | 5.2% (p1 of band) |
| ROA (annualized) | -21.00% (p1 of band) |
| Total delinquency | 7.76% (p96 of band) |
| Net charge-offs (annualized) | 1.57% (p91 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 35.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.36% (p97 of band) |
| Operating expense / assets | 14.72% (p99 of band) |
| Vehicles % of loans | 83% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 7.88% (p97 of band) |
| Vehicle NCO | 1.88% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 11% |
| Average share balance | $3,035 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $7,821 |
| Loans granted, annualized | $1.1M |

## 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`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | net worth falling, repo signal |  |
| 2017-09 | 2 |  | net worth falling, repo signal |
| 2017-12 | 4 | losing money, members leaving |  |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | delinquency rising, assets shrinking |  |
| 2018-12 | 5 | delinquency 2x band | assets shrinking |
| 2019-03 | 4 | assets shrinking | delinquency rising, delinquency 2x band |
| 2019-06 | 5 | repo signal |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 | losing money | repo signal |
| 2020-03 | 9 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising, loan book shrinking | assets shrinking |
| 2020-06 | 7 |  | expense trap, delinquency 2x band |
| 2020-09 | 7 |  |  |
| 2020-12 | 10 | thin capital, expense trap, delinquency 2x band |  |
| 2021-03 | 10 |  |  |
| 2021-06 | 7 | capital below 7% | margin squeeze, delinquency rising, loan book shrinking, expense trap, delinquency 2x band |
| 2021-09 | 7 |  |  |
| 2021-12 | 4 | expense trap | members leaving, net worth falling, capital below 7% |
| 2022-03 | 5 | charge-offs p90, assets shrinking | losing money |
| 2022-06 | 7 | delinquency 2x band, delinquency rising, members leaving | charge-offs p90 |
| 2022-09 | 6 |  | members leaving |
| 2022-12 | 7 | charge-offs p90 |  |
| 2023-03 | 7 |  |  |
| 2023-06 | 6 |  | assets shrinking |
| 2023-09 | 8 | losing money, repo signal, assets shrinking | delinquency rising |
| 2023-12 | 7 | delinquency rising | thin capital, losing money |
| 2024-03 | 6 | thin capital, losing money | charge-offs p90, repo signal, delinquency rising |
| 2024-06 | 8 | net worth falling, charge-offs p90 |  |
| 2024-09 | 8 |  |  |
| 2024-12 | 7 | loan book shrinking | net worth falling, charge-offs p90 |
| 2025-03 | 8 | margin squeeze |  |
| 2025-06 | 5 |  | assets shrinking, thin capital, losing money |
| 2025-09 | 6 | delinquency rising, repo signal | loan book shrinking |
| 2025-12 | 6 | net worth falling | repo signal |
| 2026-03 | 11 | thin capital, capital below 7%, losing money, charge-offs p90 |  |

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

- 2018-04-08 [Harold Carlisle, Brigadier General, Retired Obituary - Macon, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOTV1YkFpMnhvampUY0hBa3hXd1BmMVJNTjhwcVlmMk9EN0hqUzZBWHZpa3NOQXp4NFdiNE5rYy1VWXNIUmx0Z0FPeTlYVzlEYmdkMUdMZHB4ZUIzM1lwNEgxel9GZ1oycFdrdVNiQUc2dmN2SjFCSF9pTVVuSE1sZlF0SGdpM3I1NGl0dUpya1B4WVR4REllMzFXTUNabHJvd1lv?oc=5) · Dignity Memorial
- 2017-04-25 [Rollin Middlebrooks Obituary (1954 - 2017) - Macon, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQ09STkNVQUI0bUF0ei1KWHN2ZHFRU3V3QVJMY3Q0TndhdGRpRlJmd2VpSjFJSWg0YllLRWU4dTV4Mi1EX1l6cnhSYVJDSXRTM3dsVW1jTkxEaERIdGtnWEQtalp6SjJ2QXAyYzZtazI5WlliV0hTRzloa0h4aDRmYUwxSXlFRUxFeUo5UkplUGhqdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68291 (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/3.json (key "68291", 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=68291
- 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