# MYGEORGIA
Gainesville, GA · NCUA charter 68602 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mygeorgia-68602

Who the members are: state charter, organized 1971. 20,581 members of 379,115 potential (5.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $256.5M |
| Members | 20,581 (3.8% YoY) |
| Full-time staff | 62 |
| Net worth | $27.9M |
| Net worth ratio | 10.9% (p44 of band) |
| ROA (annualized) | 0.86% (p62 of band) |
| Total delinquency | 0.62% (p52 of band) |
| Net charge-offs (annualized) | 0.50% (p62 of band) |
| Loans / shares | 70% (p41 of band) |
| Cash / assets | 32.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p74 of band) |
| Operating expense / assets | 3.97% (p62 of band) |
| Vehicles % of loans | 68% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 70% (p48 of band) |
| Vehicle delinquency | 0.60% (p52 of band) |
| Vehicle NCO | 0.78% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 0% |
| Average share balance | $6,162 |
| Participations bought / yr | $11.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $25.4M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $15,493 |
| Loans granted, annualized | $63.8M |

## Participation posture (from the same filings)

Bought $11.7M and sold $0 in the latest annualized quarter; $25.4M outstanding purchased (90.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 12.1% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency rising | thin capital |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | thin capital |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | delinquency 2x band | margin squeeze |
| 2022-06 | 4 | charge-offs p90 | delinquency 2x band |
| 2022-09 | 2 |  | net worth falling, charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | members leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2022-02-04 [MyGeorgia Credit Union donates thousands to local United Ways - Now Georgia](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSUdoUkptcG9GdUJHcUlSX2tVNFl6bWJGMFlkbWVETDAxSnBlbi15MmFqZzdFdF9kT3pLTVFRUGpzOGE5STJaSGx5T0tNa2tGY2ZtdWVoQ1lrbGlqN3JBY2RvQm1rS0pTMHByUE1meWs4TTEtd1VVN3lIZ2VRal9kRm9TUkp5dUp4NlNrLXF3?oc=5) · Now Georgia
- 2024-10-16 [Google Wallet adds 17 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeVVkWkxXV2lsbXRJMkVNVVBlZjFpMy1semFrRjdNc1JYV2pROS1TZ0pNaGU2U1RtUkhEYVNCYzVyVlJjT0xWN0Zoc0NBbWF3S3F2OTFCVkFDaFdzMGVJOEZPdXpjOTRReTRvWG90am8yNjBJcDdwLWc3Y29XOUhra0FqUklUbUNUSGc?oc=5) · androidpolice.com
- 2024-10-17 [Google Wallet support expands to 17 new banks in the United States - PhoneArena](https://news.google.com/rss/articles/CBMifkFVX3lxTFBHak8zYjA0MzdmN0E0WmJJdlFHV2UxdUFKdUZZd2Y0T0k2T0hybHl6OGlkY0EzcjN0Z3dzSXg3MFRwUWY0MnlsdW5UMTN3ZnlxNFFibnlVTkN6WEtHdnA2ZVgtZFFVTzVseXVXYUh6Q19TUUUwNmwzNXV1dHZzQQ?oc=5) · PhoneArena
- 2023-02-15 [What is Google Wallet? Everything you need to know - Android Headlines](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBCaV9kek5yUC10U2x6b3lxN3lSd05qZmJxcmd2dG1fQ2xZYy01bmVlN1dGR2s5b3BrdU1rQUZqWGtkUmUxOHhmSUVBSlhxN1hEd2VQamZ1QTk4bHNJMjBGNw?oc=5) · Android Headlines

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68602 (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/58.json (key "68602", 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=68602
- 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