# SOUTHEASTERN
Valdosta, GA · NCUA charter 68673 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southeastern-68673

Who the members are: state charter, organized 1953, low-income designated. 24,090 members of 250,000 potential (9.6% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. 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 | $436.7M |
| Members | 24,090 (-0.1% YoY) |
| Full-time staff | 101 |
| Net worth | $46.3M |
| Net worth ratio | 10.6% (p40 of band) |
| ROA (annualized) | 1.14% (p79 of band) |
| Total delinquency | 0.38% (p28 of band) |
| Net charge-offs (annualized) | 0.05% (p8 of band) |
| Loans / shares | 84% (p76 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 0.57% |
| Net interest margin | 3.62% (p55 of band) |
| Operating expense / assets | 3.46% (p40 of band) |
| Vehicles % of loans | 20% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 97% (p56 of band) |
| Vehicle delinquency | 0.06% (p7 of band) |
| Vehicle NCO | 0.14% (p16 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 228% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 27% |
| Average share balance | $7,806 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $10.0M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $36,648 |
| Loans granted, annualized | $162.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $10.0M outstanding purchased (21.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | members leaving |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 2 | net worth falling | delinquency rising |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | members leaving |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | members leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | 3rd-party paper>100% NW |

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

- 2026-06-09 [Southeastern Credit Union Appoints New Chief Financial Officer - Valdosta Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbFZDMlo3MnBHQ3VPN3NNUFlZenNacU1QQ2E1OEJYZUtvTncwUEZDN2djNzFjR1hHSEg0aXdGdi0zZjJkcXItN3hkOUxSbWVzaWZnOWpkOFpKNGNwVnJqV05Wc1lUa3lxd2VaUXZoOV9OaV9WbHpmZlJlYnMtbmp4OFhITFhsQ25VX0N0R2hxVXdhd3Y4TlUzbTVaMDJfWEpzdmVPTURYek0tQlJfWEhF?oc=5) · Valdosta Today
- 2026-09-08 [Southeastern Credit Union donates $10,000 to Sleep in Heavenly Peace - theblacksheartimes.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPdTNwSnBraThSVFJCOG1MS1QtckgwdTVhR1ZlSVpGSmFLT1k2dDdDWG5HQkw0cUJxWEtVMXhQcXM1VWRvd0wtZmlHbHVGUGU0bVQtMWJmTEg0R2QxOVZBR2ZFMU9QSTVXTFU3aGpyR1lrRjBmSlVEZXExYk10MWVYR2dqcGV2UWgxVGVEUFdhSWF3NzVhbFJtZ3BJUjNrdFZyUUtsemhBWmxKanBScDNqQmF0MlY4eE0?oc=5) · theblacksheartimes.com
- 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
- 2025-12-23 [Credit Unions in 8 States Name New CEOs for the New Year - CUTimes](https://news.google.com/rss/articles/CBMilwFBVV95cUxObWVMb2FmbWNFcFBoOXBVR3RubXJ0RjE5cVZJbjJ6SUhxaDFBd1VPMENvTkVSaGItaFFTZ0M3aG9BYTVlWXRBWGpIRFE5elNRYUdGTVV3ZEZTT2wxdnRMX2t4aHVaRzRRc2FPZ2pWM0tIbkFXcElEOUI5bGhUWVdVdktObzQ1Zk5vYktoQnNyZTZVQ3ZWSUow?oc=5) · CUTimes
- 2025-10-21 [Southeastern Credit Union names Stasio next President/CEO - Valdosta Today](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQd0RmTWxpTXkxWVNDclFPbjlaSHZqVTZhM3NsLXM5d1daYi1uMjdkdWltSmFJajJMYnAyM1NwZWpaRlF4N1B5dVUtNUFWVFpNU0w2bEljalJsajdKUlNNZlEyNUxkSEc2YXdLYkhVWDhqR0hLV3ozVWhSSWpqVkNJNnBoaV9MRDNqZWRYclBFazFmNW9ySldQRTNrRWdZS0FvdlJWY1RsdTQ?oc=5) · Valdosta Today
- 2026-03-30 [Louie Carlton Flythe, Jr. Obituary Mar 30, 2026 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMic0FVX3lxTFB2cUtmMmNzYkZZWnUzQ0k5OGl2aHpPSlFXcGstQjZVNTNWMm1pSjBfYm00SWlsUlhQajNRYkRCSGhnYjV4c2NwRnM0akRMM2hQQTl0Y1F4ZEhsVlBlcDNFNWVJaHpZYWJYbnJ6cGYyZHJoem8?oc=5) · McLane Funeral & Cremation Services
- 2026-02-12 [Food, music and scholarships shine at An Evening for ABAC - Tifton Gazette](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZ3d2UmdfSmRUaEtmcGJObjkwMjlwN19ZVmtxUjZ3RWU4Y0x1dzJZYXJfUzZtV3FUU1JJdVNWWUNGYUZ1ZDVxYmhzR1NTT1E3T1F2dDVKVEtZSUo5LXdnaG9TaXJPYWgzX0o1Z2tJR2NITkxJcmxXb1FiN1Z4Tm8wUUpaYWZwWFVJR19fN283ckpld1BJMG4xTlZB?oc=5) · Tifton Gazette
- 2024-04-29 [League of Southeastern Credit Unions & Affiliates Announce Elevated Roles for Executive Leaders Samantha Beeler and Steve Willis - PR Newswire](https://news.google.com/rss/articles/CBMikAJBVV95cUxPR01KdS1mcU9kaEh4WXlrZU1YcUUweFY2MFNvSjg2MDg0SXhtc0dnMlpBa2NhQXdEcjJaYmFCczAwWlpFaW4zN0RlQVU0N3NYeW80ajhVWk1vLXFWcWU1NlNWNlRFRGJacVo5MzR5NElsQkhDdFYzQjJOdTQxYUJLanJPak8wWHVuVFQ3MGljU2RQV2ctMVpTYjVlcDBlOGkycmRzYjQ3dXc1MWN5QXVjOWlXZ3E2eWJ3VTBhd2h0ZU9lRE9lTUpSZC1hMnFiTWZneERyQUZfWkxWbkZldlZIaV9BaG1YVGZ1S1hoYklxQkoyZXRtN3NXMVZ4YU1CLWZ6b0xfTW5LNFhJWEdrVUh0aQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68673 (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/1.json (key "68673", 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=68673
- 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