# COOSA VALLEY
Rome, GA · NCUA charter 68683 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coosa-valley-68683

Who the members are: state charter, organized 1954, low-income designated. 51,753 members of 1,864,320 potential (2.8% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. 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 | $746.2M |
| Members | 51,753 (1.3% YoY) |
| Full-time staff | 134 |
| Net worth | $68.5M |
| Net worth ratio | 9.2% (p24 of band) |
| ROA (annualized) | 1.14% (p81 of band) |
| Total delinquency | 0.64% (p56 of band) |
| Net charge-offs (annualized) | 0.58% (p65 of band) |
| Loans / shares | 84% (p56 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 1.01% |
| Net interest margin | 3.50% (p52 of band) |
| Operating expense / assets | 4.86% (p94 of band) |
| Vehicles % of loans | 58% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 126% (p56 of band) |
| Vehicle delinquency | 0.83% (p68 of band) |
| Vehicle NCO | 0.78% (p47 of band) |
| Repossessed % of vehicle book | 0.33% (p90 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 86% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 18% |
| Average share balance | $7,351 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7 |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $24,301 |
| Loans granted, annualized | $301.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7 outstanding purchased (0.0% of net worth), $795,669 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.9% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | repo signal |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | repo signal |  |
| 2018-12 | 2 |  | repo signal |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 2 | expense trap |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | thin capital, net worth falling |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 3 | delinquency 2x band | expense trap, margin squeeze, net worth falling |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 4 | expense trap |  |
| 2022-06 | 4 | delinquency 2x band | net worth falling |
| 2022-09 | 3 | delinquency rising | thin capital, expense trap |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | charge-offs p90, auto monoline |  |
| 2023-06 | 6 | repo signal |  |
| 2023-09 | 5 |  | delinquency rising |
| 2023-12 | 4 |  | charge-offs p90 |
| 2024-03 | 2 | expense trap | delinquency 2x band, auto monoline, repo signal |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | repo signal | expense trap |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 4 | expense trap |  |
| 2025-06 | 3 |  | repo signal |
| 2025-09 | 1 |  | net worth falling, expense trap |
| 2025-12 | 3 | expense trap, repo signal |  |
| 2026-03 | 2 |  | repo signal |

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

- 2026-09-09 [Give Your Finances a Fall Checkup : Savings Corner Presented by Coosa Valley Credit Union - Coosa Valley News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPZ3F1RVROUmZxMEdKUDFqdDRxaTVWeHY2OUh4Ymo5cGhhQThvWnE3R2htNVowdW5zVUV6eU0zTF9wUjZWWk1RbU9YNVVnZmhNalMzZFFOZFI0QlJvZVFVMVVIeU5Eanh2WUQzU0FfYnFLejVqNzNRa3FRZTE4V1pqVHFiZ3ZRZHgwTjNvTHRzS3haQWMxMEduaWM1WnNHNFVnNW8zWmtoX2RnT1djUUJER1dPeWJGOVVnYVJOaE9qTXp3dw?oc=5) · Coosa Valley News
- 2026-09-09 [Mr. Gilbert M. Largent, age 95, of Rome, Georgia formerly of Decatur, Illinois - Coosa Valley News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMVFDRHBXUDFDUmoyX1VBMVBUaXc4allfNm1TZ0hzNXR0dTZsSGFaUnUwdW4tM0c3S2hwZmNETjc0UzJ2QXFNbHBRel9UbHZYOXp3Q25uRUpxOEtsdkM0N0l2Ql9panpiSnAtYm93ZzMwcDIzU2NOYkY1QmhZaVlXZWJ3cF9zLVNuTUhDQ1FmeFVDUGJxRkNWS1dtMGp4empfT2hNbVBJZTIyVzJRcFE?oc=5) · Coosa Valley News
- 2026-08-10 [Coosa Valley Arrest Reportstimeline Friends2 - Oma Erto](https://news.google.com/rss/articles/CBMifEFVX3lxTE16V2tGVG5Mb2FBTFlHM0Jfekg5STZLV2RTcjNLclRSMC16MVZYYXdpYllhNVlCeXZYNDJFYVpaTjg4ejAwOE16RnFzR0FVcVU3OE5QT20wVWhER04xbGZ3NUtqU1oyNW5OcW11N2ZHaW45MVNoVkdpR1Nxdmc?oc=5) · Oma Erto
- 2026-04-16 [Coosa Valley Credit Union Earns 2026 Great Place To Work Certification - Coosa Valley News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPbFE4ZU5STHJfZWVQM3FPZXRkMnd3MWlBNnNaSGF6T2dHYTRRNnJqeENhcXRlU2lDMlAyV1FNaXBwZlJpamRtZ1NWRUJwYVdtZkR6UGpkZmI0YXUyUFJWVmx0Y0VjanN3WUFCU2NnWThwbUE3Zm5VNWNHNFdQOUZadnN6bU5FLTVVams2Z1F0UWRSMEtyaS1ubzdUX2ZkM2lBRHFKQ2dtUE1yc3M?oc=5) · Coosa Valley News
- 2026-08-10 [Coosa Valley News Arrests Mugshots - Oma Erto](https://news.google.com/rss/articles/CBMib0FVX3lxTFBPLVJpbktYazNHTmctSGlHbTNtVGlodENzTV9UWEF4ZUsyYnhDSnFFZ1NXbng2enppenliS09EaVh1bkxUNzA0ckFLaXNZT09iNzNmRTRvTVp4YWVKZE5ra244a2FSTUxFTkE3UHVKNA?oc=5) · Oma Erto
- 2024-06-28 [Old Glory: Coosa Valley Credit Union conducts American Flag Project through July 4 - The Daily Tribune News](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNZFpIRTd4Sm1jOWRCaUZLQ2E0NWlJcWZsc1U5T2Z1VTEydExIU2V0MlBtbDZhc1ljUGFSMHQ4aDFKRFJKTU1qMDJmbTc5dEJoNUVra0trWlMzR3JWYjlNc2hrb0oxWm9jSnd1Sm9OMkFtUU1KUkpsN0FSa25Jd3RlUkJKU0JfcGpOeUZMbGpxN2RkY2ZqNmp2R29kVDFFMV9McGZSaVU2dDl2aDMtZmNnSlR4cllSclR6UGxtclV3S2VyYmtGNHdicjF0LWttNldUUUZMbE1vSTBRMzFxWGFKZWVSVy10VUNoeWZJVmZDR3B0dnZOZjdxRkpJTUViZTg?oc=5) · The Daily Tribune News
- 2026-06-20 [Robert Smyth Installed as New Exchange Club President - Coosa Valley News](https://news.google.com/rss/articles/CBMilAFBVV95cUxObTgwbDBIZ2FWYy1oSmhyNENvNDdIN0RMaElHMEdnXzJLenNjS1Nvam9oTFozQ3c2NEJFZWR3MGJuT05pR2V0YUd5VTRpMmtDbW9tYlg2Vnh4V3NiVENxWjJBbDN4VlZPdUNtZkc1Q2VQTUd0TUQ5aWVtZXJrWTV5ZVo5T2ctUkxiakxXbVRtU29mbzBq?oc=5) · Coosa Valley News
- 2026-08-31 [Rome Teen Jailed for Leading Police on Drunken Chase in Stolen Car - Coosa Valley News](https://news.google.com/rss/articles/CBMikwFBVV95cUxOc0EyN3BZTzBXMk9SLTAzTVRsaTlud09fLW1BaWxXdkJiX1hBOC1nUFcxRXdRLWxOOTd6NGhXVUdFZmZycXdnZ1QtTWJUTEY1NWppdWR1azBPX3BlYm9leXBBRERFMThaOVRNcERRM3dadVBYWXBHZ200SXdqOUxYalRmeEFOZ0tIZElzeGZ5YjBPV1E?oc=5) · Coosa Valley News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68683 (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/11.json (key "68683", 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=68683
- 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