# LGE COMMUNITY
Marietta, GA · NCUA charter 68581 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lge-community-68581

Who the members are: state charter, organized 1951. 126,395 members of 3,065,846 potential (4.1% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect 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 | $2.39B |
| Members | 126,395 (3.1% YoY) |
| Full-time staff | 336 |
| Net worth | $283.6M |
| Net worth ratio | 11.9% (p70 of band) |
| ROA (annualized) | 0.63% (p43 of band) |
| Total delinquency | 0.45% (p33 of band) |
| Net charge-offs (annualized) | 0.32% (p26 of band) |
| Loans / shares | 83% (p41 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 3.64% |
| Net interest margin | 3.25% (p46 of band) |
| Operating expense / assets | 3.37% (p59 of band) |
| Vehicles % of loans | 32% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 129% (p47 of band) |
| Vehicle delinquency | 0.18% (p9 of band) |
| Vehicle NCO | 0.88% (p45 of band) |
| Repossessed % of vehicle book | 0.08% (p51 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 82% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 19% |
| Average share balance | $8,666 |
| Participations bought / yr | $53.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $104.3M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $23,855 |
| Loans granted, annualized | $554.0M |

## Participation posture (from the same filings)

Bought $53.4M and sold $0 in the latest annualized quarter; $104.3M outstanding purchased (36.8% of net worth), $10.1M sold and retained. Sold in 3 and bought in 8 of the last 8 quarters. Shares 0.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans>95% of shares |  |
| 2017-03 | 2 | members leaving | loans>95% of shares |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 3 | loans>95% of shares | delinquency rising |
| 2017-12 | 2 |  | members leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | leaning on borrowings |  |
| 2019-03 | 2 | delinquency rising | loans>95% of shares, leaning on borrowings |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | leaning on borrowings |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | leaning on borrowings, delinquency rising |
| 2024-12 | 3 | assets shrinking, members leaving |  |
| 2025-03 | 4 | delinquency rising |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 2 |  | assets shrinking, members leaving |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-09-08 [LGE Community Credit Union celebrates grand opening of relocated Rome branch; donates $20,000 to local first responders - The Rome News-Tribune](https://news.google.com/rss/articles/CBMinwJBVV95cUxOcEc2cTFIeXVVMjZYM09ZUnZLMDJ3c3hlX1lzb2h1OHFYbHY2dGlBa0djaGVfMUVYX3EtOF9NVU1jLWx5V3FKNmluMmJJS1d3OEhlYXNoTzZ6U1V6NFVmdUFXYmkzV1JwY2gtaG0yQk80U0dnR2ZGdjgxUTBfWnZPRXRhMTJONkFFd3RQRUlPVHlXTV9iVlNHckhkSGlQa2o4RlljeHoyTHpjSFptelU0X2lCVVNkckhGVVBJVVRRckRfcjBZc0ViMXQtLUVPVmFSaVJ1WWdodWdfV0hiWGZqLXA1Nmx2T2FvSEJkNThCUnJhenIyY3cyNElfbU81UkxBSURCUVJLaVpUZHdKZWVXdjdJNWJsamdMTG9lenEyWQ?oc=5) · The Rome News-Tribune
- 2026-03-11 [Carvana Partners With Two Georgia Credit Unions - F&I and Showroom](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUmZ1dGRtaDRKMjZRRlJpOFJrbXFpUDJuZnFqeHQyTThzMUQyNEN0dlNPTGR3R0lXdEh0RGdCelJTbnFTbV9GZnFsYzVTbmdIRFduT0pFTU5wMW1jekd5MHNRYm5DNzNDcWJsb3FUQTZ2djBsbkVGV3VBZm92QWVsY2FEenhSX3c?oc=5) · F&I and Showroom
- 2026-03-14 [LGE Community Credit Union announces scholarship program - East Cobb News](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMGNVaXd5Ri1rMmNyam5aVktkem5rZC1zcFZmNUU1NTZVUkpwTVlScmFGU1JXQWQ2OUFzQlFNTVd2eEFYNTBYUjBVODFOdXBOODhSWjA5VVVZOUkxejktWTZyUHRzZkJoRFFER0hoeGdENzB2dnVTMTlVUXRLY0ZUQWRQc0FFd3R5RWc?oc=5) · East Cobb News
- 2026-04-27 [LGE Community Credit Union and Ascend Federal Credit Union announce intent to merge - Marietta Daily Journal](https://news.google.com/rss/articles/CBMijgJBVV95cUxPZ0wwNDZqd09WVW5fU1lSVlFGc0JKeFZ2NW9mbXlkSHpDcURPdEFrcENJYmFWTm5LS1l0M2Q0ZGpyN25QcTZFUlB6YzNteDNCSzl4bDR2aUhiV3k1aTF0dTV0LTh2YzM2V3phMWtCWl8tYXlyQmxiNzI5S0JOZUJDQUdxZlpNMEhHM29fQWRlRlZPazhHRDJETkxxUldiZnVkalNnbFdnenViaU8zOEQ5NVZyWEtVWkFUUnMyZ3pYR3lJYXpTWTFaWU1sNkdGRXg4aTlXU2xyc21XVVRJVUlYWGpZNEw1ajBlWmV6OERIVXg2bFp0dlJLNUY2QjhKV1I4X0lxanU2c1JwTGtlOEE?oc=5) · Marietta Daily Journal
- 2026-05-12 [Rome High Senior Awarded LGE Community Credit Union Scholarship - Coosa Valley News](https://news.google.com/rss/articles/CBMiogFBVV95cUxNcTBxSkhuelhqZkRZYk9sS1RIVXBxSXl6UmNfSXRwT0tReXF5NzN5bThsb29sS2ZwRGJrWm5CR1h6STgxcXowWUNZS2dKaVBPY1lJdmdpNkhEMlM0RTFfd2tuTW5Uc2F4eGZnbEpraWYxUVNtWDVNNVYtdWFtOXNEbXBxcjFGeVFhcWR4dk5sTUl3TTJsWHlYaURFaHcwMElCQnc?oc=5) · Coosa Valley News
- 2025-09-23 [LGE Community Credit Union celebrates ribbon cutting of new building at Cobb County Safety Village - CUInsight](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNblhQeEtIYlFoRXktYzM4ZXp5R0RURlowYnM0ek4zQ2FlMmtheXJMMGpjZndjcjV0RkJsYVBBUmluYzdQN2R3b2Z3bDdBcllMZ1lZSFF1RHFuVDk2NEpaMU5FTVc3ejdXVUR5RnFqUjJOSWlPNFl0dTNNVUVUR2VQcmY2YmlMTTh4dEJ5eUxSMU91cTlzYnpHc0tyQTNxczRfR0NDVl9kYnFVVERRMTh5dk1DaE1HQWJ6cE95TXg0MWs5WGJyMF9vVGd3X3FWZW5JM2ZGLTdn?oc=5) · CUInsight
- 2018-03-22 [LGE Community CU To Buy Georgia Heritage Bank - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSjRsZXVuclFhSEdzZzcwbEprYW1uZmFlUTdtZms5WWN2c2VPMzdaaXVJenUxOEpPcVhpc01uU0dlNlB0Q08zNTJ3RXlIbF9IMzAxSWRmc0pXbWVNN1NPNmJhOXpySklHajVSVDdscU0yelB5M2VqRUw2dHlSVDN1ZGVFUUhacVNLWlE?oc=5) · cutoday.info
- 2025-08-23 [Shelia Sabens Obituary - Cartersville, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOamNKa0FtQ01vT2pQNjc1SVFaZk1yR0RLX1pZUHRzd1I1TDlyYnFxQlN5ZENMSzFrUEJRT2ZvQ0Y3MWlyaWl4bE1Ubk9aWVNuWm0zc2lNU2RjSER1M3BxUWlubW1yNk4xS2Z3dGs3ZWk3Z0xOYnJmU2RIX2pDSlZSa0trVXRMeVBy?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68581 (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/37.json (key "68581", 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=68581
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide