# DOCO
Albany, GA · NCUA charter 68618 · asset band $100-200M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/doco-68618

Who the members are: state charter, organized 1959, low-income designated. 34,967 members of 200,000 potential (17.5% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $199.1M |
| Members | 34,967 (-2.2% YoY) |
| Full-time staff | 79 |
| Net worth | $19.8M |
| Net worth ratio | 9.9% (p31 of band) |
| ROA (annualized) | -2.75% (p0 of band) |
| Total delinquency | 1.16% (p81 of band) |
| Net charge-offs (annualized) | 1.03% (p93 of band) |
| Loans / shares | 95% (p92 of band) |
| Cash / assets | 8.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.30% (p93 of band) |
| Operating expense / assets | 8.31% (p100 of band) |
| Vehicles % of loans | 70% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 375% (p96 of band) |
| Vehicle delinquency | 1.21% (p83 of band) |
| Vehicle NCO | 1.22% (p88 of band) |
| Repossessed % of vehicle book | 0.14% (p83 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 21% |
| Average share balance | $2,638 |
| Participations bought / yr | $12.1M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,426 |
| Loans granted, annualized | $58.9M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | expense trap, delinquency 2x band, charge-offs p90, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 4 |  | charge-offs p90 |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | net worth falling, members leaving |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 4 | auto monoline | delinquency 2x band, net worth falling, members leaving |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | assets shrinking |  |
| 2018-09 | 6 | members leaving |  |
| 2018-12 | 7 | delinquency 2x band |  |
| 2019-03 | 8 | charge-offs p90 |  |
| 2019-06 | 6 |  | assets shrinking, delinquency 2x band |
| 2019-09 | 6 | delinquency 2x band | members leaving |
| 2019-12 | 5 | losing money | repo signal, delinquency 2x band |

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

- 2019-11-05 [Two credit unions to merge into Georgia's Own - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxPWU9VN24wczl5Yk1uQkZuR0hEcGNkcDN3eEpzUmo3QnIwTVhGZ3hQcDFCVjMwZXVvc09DRXJXZ0Z1bThXRUlwbFJxNGM2bU95OThvRE5IcFNqazgxeHRObkdUR1FmdkF0VzFmbkZrUWpwanBqTXhGSzN5cHdDLVN4YVowUGFlOVB6TnRoUzZVTFhnUGhNdDNiQg?oc=5) · American Banker
- 2025-07-08 [Second-Generation CU Leader Focuses His Ambition on the Day-to-Day - CUTimes](https://news.google.com/rss/articles/CBMipAFBVV95cUxQajlyd0hEcU9aVXZESnBGUnFtZGxwNDdZeEFsT0Z0RnRpY2Y3RnlodmktWFpwc0RQc184UG5aRGJOa01XczdhbkJYVmU5dUdDT2kydlB0NDR6cU85TU95T1BFUXB5ajVVQWpYRUp6V0hzektLMmozdEV0YmZtbGZwRktkNXB6MnFfeThHM3BVVUVEUjdyUENPcjExQlQ5cEdNTTc1aA?oc=5) · CUTimes
- 2024-12-20 [Albany man arrested in DOCO Credit Union robbery - Albany Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxObWtiejI0T3FaempjUEpWWDRqZzJfbzY4RTBpSzNFdkxsN3BKSkxxaEd5LXdIRC0wVEs5S0hlZWpJUWhPdmN1cko0MEhkZExMNkY2UHByOG1CaFFVOU45Y01BQ2tiMFpCUUh6LXdqdFFXOFE3VnJsQm45cHhnT1B4MnFTWjVnYlJENzNYQkdn?oc=5) · Albany Herald
- 2016-12-02 [DOCO Credit Union recovers from bank problems - WALB](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMzBoaUxWd0tfSUlDRDNkR2R6aGZnNVBuNHdSNVdLNzk2OGlkeDNWNGZMSGVMd0dwU1NYSGU1WVlwekQ4ZTZFVEJacGlxT0piYmxCNmRxSUM0T1BQV0U0am1BOFNTTHNSbklJOTVNZUFYUWZLSHBCWUlwaTFKaUhtb0hUblZES3ZEX3fSAZwBQVVfeXFMUDNqdjZMdjVmeVFqemtVZHc0Zjk2ZHdyNDFsdmtqeHd6UWNycEJVVmRGMlIzUEJuMFd4STkzakh2SDU1UGR5ejBMY1pReURnQU5tMnM4b0pYQ3lUVEtNczZjT3B6YVhsbk5nS3RMeGE2eFVaZzQ0YnRRbGh3Z3pfU1VkWmZoc2hDbWZLUTZUNlBkUmRhNjlwV1pEQlVI?oc=5) · WALB
- 2016-09-26 [FBI Arrests Suspect in Albany Bank Robbery - Valdosta Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxOTGJkU2phc0pTS3RKYmxOYS1Gb0tGRndVNTFvYjJiS1ctUkx0YU9tZ1JMYUNpVzZkX0J2bmNwOXZNREU2VUJuU0d6dm9XVWJQNW5RY1Z1UU9DWWt5ZXlDQmZvbGZNeXpxWWFDNEFFM2hzZUtHRE41RTk2Y3BkbUJDczNhRUwzSFBKRzZMTHY5MXM2cHNH?oc=5) · Valdosta Today
- 2024-12-20 [Tammy Howell named DOCO Credit Union branch manager - Albany Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxNa2FzcGQ1bkFUQXVJd1Bma01MMVRRcGlJUlNzbmlVaDFydnV2LWQyaUNDLThfNVVYOVRqUDVBdUJlQ041MXhiSHUtS1RIaDRrMk8zdlMtbTRsaU11N1ptcnZIdFViNzRqdE5VcFN0TWJseGxBd1RBQWlLTDg4YjhiUmtaT3J4UVE0RkNzbldIMXNRZw?oc=5) · Albany Herald
- 2011-06-17 [Robert E. Fowler Obituary Obituary - Visitation & Funeral Information - Kimbrell-Stern Funeral Directors](https://news.google.com/rss/articles/CBMifEFVX3lxTE9CZjdEWEpHUnA3by1NN284VnBLeDNubm1xTWhrTGVsaFkxaThybzJiTTlhVUhXRmt6eTZsb2xuVFN0cHkwMkhPLWxQcWNNMlE3UUNDbkVDbzgtY25QcFMtXzdIeEJydmhqZW9RWnRsOEg1QVpsYjR5dWE2RDU?oc=5) · Kimbrell-Stern Funeral Directors
- 2024-12-21 [DOCO Credit Union, Flint Entertainment Complex create partnership - Albany Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxNb0UwT3ltcTZ4bTViOU5Vcl9NZUFYZDlFa2xrS05QX0FQQzY2WGJqNHpZOVZjUGtvdWVSS2k3YUhrWVlBUl9rTi1DM1ZjOVc5dERveE5vRGN2MFgxNVBJazBxcFdQUGZQRmptWjdIeUE5YTBXVUpCUWRjZHIxdEVJNVhENFlNQ0M3Wnl1eXdkaUlKZUU2dTg3QWhCVQ?oc=5) · Albany Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68618 (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/10.json (key "68618", 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=68618
- 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