# EMORY ALLIANCE
DECATUR, GA · NCUA charter 68573 · asset band $200-500M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/emory-alliance-68573

Who the members are: state charter, organized 1968. 18,002 members of 880,000 potential (2.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 42.

**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 | $209.0M |
| Members | 18,002 (-1.8% YoY) |
| Full-time staff | 33 |
| Net worth | $16.0M |
| Net worth ratio | 7.7% (p8 of band) |
| ROA (annualized) | 0.86% (p68 of band) |
| Total delinquency | 0.30% (p43 of band) |
| Net charge-offs (annualized) | 0.20% (p69 of band) |
| Loans / shares | 69% (p47 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p66 of band) |
| Operating expense / assets | 3.24% (p53 of band) |
| Vehicles % of loans | 37% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 122% (p57 of band) |
| Vehicle delinquency | 0.28% (p42 of band) |
| Vehicle NCO | 0.47% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p27 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 139% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 1% |
| Average share balance | $6,506 |
| Participations bought / yr | $19.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,757 |
| Loans granted, annualized | $59.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 0 |  | thin capital, charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | thin capital, losing money |  |
| 2020-06 | 3 | net worth falling, margin squeeze | losing money |
| 2020-09 | 4 | losing money |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | delinquency 2x band, delinquency rising | losing money |
| 2021-06 | 4 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 2 |  | charge-offs p90 |
| 2022-03 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |

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

- 2025-05-12 [Credit Union 1 Finalizes Emory Alliance Credit Union Merger, Increasing Asset Size to $1.6 Billion - FinTech Futures](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNX3hoMGZGS3NId1RfWEVvZVMzWHpoLVhsOVJFVHhBNkU2RktWQlNmU1c4OHpRbTI3UjN3eWQtZjJDSF85WXFBakhGR214SFZGTjlnQ2k2X1ZCZHhPMjNBNTZHVHVob1F6ZTJFSG5jYVVIMU9TRW1qaDRzNWh6TEc2SWI3TXdKSmRYWkMzSE5US2Q4VVZ2a01oWC1DT3pZaGtiOEJyTTRWdkNRMUFVVjN5dTFwX0psQ283ZzJtWEw0bFhCOEFRbzUxeGY3eWpTcG5lMDVJT3F0UXVVUQ?oc=5) · FinTech Futures
- 2017-05-03 [Construction for new Campus Life Center set to begin - Emory News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPTnFoa2VVZFNwTWpxLW5MR1c2eERmTzlWTUtQN1JiRzIzc09VTklUcF96YWg0aE53ODg4OVZGS3FtNUJ2THd4UDVKQmxDajloaXhxdXdKUlRZcVdHMEdFSFJZRTBPTmpPMVVRcV8wRmZtNkVPaGxLYTJqc0JVajFDMk5mMjItb1R0cVRSaw?oc=5) · Emory News
- 2024-04-25 [Jill Alyson Stewart Obituary May 7, 2018 - asturner.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE92Qm1OaVpGaWZLaVEycTVyMzhMSHlBQkVTLVFKQ2d6bkdMbnVYSC1NVFg5T1lXR0RCS1A4cDhNM3NONWFxSk52bFlmNzhLSXhEcEhBZUVjaEZyV2pDWFkyRlhSTGw0UQ?oc=5) · asturner.com
- 2021-06-01 [UK's Gatton College Inducts Hall of Famers, Distinguished Young Alumnus - UKNow](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVTAxX1VRak1UcXlRTEkzMTN6elVBZ3h0X0UtaDAyaUxJZXB2bWZTR2xBSjVpd2FQQVlnOWhDQW4wVndfRWNmMFdnbTk2TVBIR3hJY1FVX3F1OWs0YXBrei02VzJUMmV1aXBoMlZsNmhMWklhZjU4a0ZTOGU1clFRNnlFSHFVcEpUejFGUWpqOTFSWnc0aU1WOUpGYURzSzJXeVE?oc=5) · UKNow
- 2019-10-24 [Emory University staff receive Award of Distinction honors - Emory News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOT1JDTU1aTTRuMHN1REVtRXlteTFxZ0FDdXpLdnphS2l0ZWotaFdER1NaMUN4S0lrdGhoUWNLM2J4ekt3WlRPUVBJcms0MVh4MjZtM2JTWHJGUHpfYWxidzQ3MGtMZW1jUnk2bkNQUGRkN1EzTVc5QUxlcThJR3Y5MDNsU2RLZl9LbWxqR3ZqVnFUYWZvRGEtVDBB?oc=5) · Emory News
- 2023-03-22 [Credit Union 1 and Golic Family Foundation Announce Inaugural Grant Recipients - newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNRDVmbFBEUVV2RllHa3RLVWNYOFdQaGdkX0h4V2gxUk1GMEVtb3A5MXdqZG1tOGtuYU9hVExNRXJBQVhQUGhHRWVZOERtMmlZS1dIU0kwUTdMWUNFd000TFhta09uZ0h3c3NjWW1iTFJaam9ZT0tqanp3WFhDWXNFZmxEanNWOHF3ZGJTSmh4MGd5dU12NTNvXzF2YUkyV1diVjRVTTJxenM1QQ?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68573 (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/29.json (key "68573", 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=68573
- 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