# CREDIT UNION OF GEORGIA
Woodstock, GA · NCUA charter 68571 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-georgia-68571

Who the members are: state charter, organized 1960. 36,858 members of 3,277,653 potential (1.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 281.

**Verdict on the desk:** this could be *participation buyer*. 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 | $760.8M |
| Members | 36,858 (2.6% YoY) |
| Full-time staff | 113 |
| Net worth | $75.2M |
| Net worth ratio | 9.9% (p39 of band) |
| ROA (annualized) | 1.07% (p77 of band) |
| Total delinquency | 0.68% (p61 of band) |
| Net charge-offs (annualized) | 0.38% (p47 of band) |
| Loans / shares | 77% (p37 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 1.58% |
| Net interest margin | 3.82% (p75 of band) |
| Operating expense / assets | 3.21% (p29 of band) |
| Vehicles % of loans | 30% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 100% (p51 of band) |
| Vehicle delinquency | 1.15% (p82 of band) |
| Vehicle NCO | 2.01% (p83 of band) |
| Repossessed % of vehicle book | 0.16% (p75 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 27% |
| Average share balance | $9,072 |
| Participations bought / yr | $19.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $52.6M |
| Loans outstanding per 100 members | 281% |
| Loans granted per 100 members, annualized | 49% |
| Average loan balance | $4,939 |
| Loans granted, annualized | $178.3M |

## Participation posture (from the same filings)

Bought $19.1M and sold $0 in the latest annualized quarter; $52.6M outstanding purchased (70.0% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 8.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | thin capital, margin squeeze |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | delinquency rising | net worth falling |
| 2022-03 | 2 | margin squeeze | delinquency rising |
| 2022-06 | 2 | delinquency rising | margin squeeze |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | thin capital |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising | 3rd-party paper>100% NW |

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

- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info
- 2026-07-23 [Credit union delivers more than 300 gifts to Wellstar Golisano Children’s Hospital - WRDW](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZmYzeU1KaGVNODlPbk1NS1Y2dFVfYjM5b2Rqa3R5V2ZETm1nT2tZSUJkU0t0YjFzNkRlMThIMEtvaGE5RDBWNkc5blNpUUhhaUhYN1J1R0VaWWhnSjZVNE8tUFE4OGxPQW1NVzZyQjJxd1YtTXZwR0M5cWp6TzVyX3F5aExLakxXX25McER1dE50Z0k3Y0tKN2NNRzkwNURJcGJ1UdIBuAFBVV95cUxOdGxJQkZleTdhTXJ2ZDFtYUxGalQ1WXZkMXlmbTFoRGlFakswNzZmZHhoVko2d29YVDh5SFp2WS1JRUNMdWl5UWRaM3dCbE1XeTdicTdQLTU4RDRPc2pGZnUxV0dBZmRHbjRoVFllUXVXZFRyaG9EQW4tU0d1VmN4YVFvQWhvXzVIbmhKemJxa0p0NV9lLXNOdFNtX3phYWNRVjk3MC02R0lQR2RKdFVhcVZaV1hSTExU?oc=5) · WRDW
- 2026-08-02 [Ga. Credit union surprises St. Marys Elementary School teachers with $3K worth of classroom supplies - Action News Jax](https://news.google.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?oc=5) · Action News Jax
- 2026-02-10 [UGA softball program hosts free youth clinic - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMijgFBVV95cUxNSG1oQ1Flb3FhZE1Pd2EwUmdLX2Fhams1OGdITXhRd3ZSMEx4OXNqWU9ST3U2UVNVZDZhc3dNb083LWZrWjkybmRqVFN2M3owWm01TExNTGxYRG05Z2tkRXFkaUdFQ2lRYmNBN3VmbC1vbWx5MUZmMXhWaGIydDdTcnNGSS1ac1QyZDYyR1F30gGTAUFVX3lxTE1SdGQxWVZ3ckxaMS1aMmZoNjZJVzI0WmtubjVId0xpbTM4dV90UTFBVzBiNkhPeDMwZkFNeTBxanNaVDdVVVktbmt6MERScWVDRzRoTFRudGV1ZW82UE01VUlZMHBkWGx1MHhHY24zRzdoREFGSXlKOGxoOU1VTUJaQ0tJSkxKbWFsNEREek1hdE1Ucw?oc=5) · FOX 5 Atlanta
- 2025-09-15 [Georgia’s Own Expands Partnership with University of Georgia Athletics - University of Georgia Athletics](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOVWxHOGNuUUo2SWxMeFJ2RnppMnlPRG1LUnJ4dmtVUkdrbE5MS2t2R1gzRHRrSkpjSE9UNml0V29SM09jMlhpNzE5Nm9zUzAzQUZZUUc4MXBwN1lieXMtSFhPY3hjMjBGckl4eGpSRXRDdGJ3NzdZUkg3anpiS3Foa1dQSlNwaVFvZndtdjlmbEFraGRxODJya19aSEFkRkJ3M09ianJBMzF2LWttQUNwbUQ0bXRFeVRF?oc=5) · University of Georgia Athletics
- 2024-01-19 [Augusta Athletics Announces Elevated Partnership with Georgia’s Own Credit Union - augustajags.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxNd2o5QVFMYl8wcTQ2dllkSkZvdldFUTRqYXNnRTFvWmFKaC0xNFVCVmlXbVRZcXIxUmV5N0IzaVhRWlpwcWNNeFN5VDlENXZTT2gtNkx3bXZVOFBjQzNHU0EtbVdmekpLNnl4enRIdmVlTTFvdTRxX2pZcm1TZ1RBdDU1aFVEWWtDVmFHWEZMSkVOZHBNOGFjUzluRExWMGF2SnZCOVJCN2RVVGRGOFRfbXY4YkZnR2lwYkxZU0NwNWtzMU5jU3V2TGczZw?oc=5) · augustajags.com
- 2025-07-31 [Georgia United Credit Union announces CEO transition effective January 2026 - CUInsight](https://news.google.com/rss/articles/CBMitwFBVV95cUxNTk9qMnBfUFRDSllTSDVTR2lIWkZRQmY5T29FNkQzSnh3VVNiQ0Zub0Y5UlNVNVV4dWhoc0FydGhobXE4eVc5NTYyTExZRDVwUjlXVWY1dkRmd25mWmxCcnBnV1pSUm1wMUJXSDJvT2twWjl2T2lYUS1Dd2g5REl2amU1VW1KaENZd3lra0I0SHh3aktZcElUd25XUEVHRzZaVm43VXdtYjd1SExHZEpJYTdoNzZlRkk?oc=5) · CUInsight
- 2018-02-01 [Georgia United Becomes Official Credit Union of GT Athletics - Georgia Tech Yellow Jackets](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNkplMEt6NzdsN2tZRzZEZE01UENZczVhZVBGRVEzbXhLVmM1NF9ITVNvSVlGUGlXdHdyMklha1FIdjc2UkQydGN2MlVhOXRZQTdjVXdZOC1OeS1hMndXUUZxMS11U3FKMGVwY0tSdXdYdWhGV0FkSE5aWW96WmNjanNhb2NZUWFUaVZ4MFdRbm41N0l3NHdqMGZGQ0N2X1RnMFlN?oc=5) · Georgia Tech Yellow Jackets

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68571 (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/27.json (key "68571", 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=68571
- 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