# GO ENERGY FINANCIAL
TUCKER, GA · NCUA charter 68698 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/go-energy-financial-68698

Who the members are: state charter, organized 1969, low-income designated. 11,466 members of 2,691,344 potential (0.4% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $153.4M |
| Members | 11,466 (3.0% YoY) |
| Full-time staff | 34 |
| Net worth | $17.8M |
| Net worth ratio | 11.6% (p48 of band) |
| ROA (annualized) | 0.64% (p46 of band) |
| Total delinquency | 0.51% (p43 of band) |
| Net charge-offs (annualized) | 0.17% (p30 of band) |
| Loans / shares | 82% (p74 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.38% (p86 of band) |
| Operating expense / assets | 4.56% (p80 of band) |
| Vehicles % of loans | 43% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 15% (p45 of band) |
| Vehicle delinquency | 0.31% (p30 of band) |
| Vehicle NCO | 0.27% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 84% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 13% |
| Average share balance | $7,069 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.9M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $18,889 |
| Loans granted, annualized | $34.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.9M outstanding purchased (83.9% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, losing money |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | thin capital |  |
| 2020-12 | 5 | members leaving |  |
| 2021-03 | 3 |  | losing money, margin squeeze |
| 2021-06 | 1 |  | net worth falling, members leaving |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency 2x band |  |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 3 | delinquency rising, members leaving |  |
| 2022-12 | 2 | assets shrinking | thin capital, delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 2 | delinquency rising, assets shrinking |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2024-01-26 [Go Energy Credit Union announces permanent Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYjBENmQwNmpvcXNBekIxZjk2R1F5UUFvM2ZHTWd0YnJ4ZlBTZ3RWV21zM0NpZHhrQWVwRWdXOHdDcTRlWUQ2Q0RFdGNxWEs4WXVPbXZtWkh6cVVNVENHU1J6cmJ4dTdlUFVGQTJKdV9XREZvb0ZNQndrVXNERG85YXBZdmxzc2dqb3VZekhpY3JLR0xoNnZ1RHgzVTFPamlGMW5raVVuZjVJYkE?oc=5) · CUInsight
- 2020-08-26 [GEMC Credit Union becomes Go Energy Financial - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQanQxNTRaeXZDLS1fX194M1ZOT2hfM2UzV1RQbW9hZzAySV9aQ3hST3d6aFhHeGNHX2ZEX05rSjg4QXBVZm1HbGFVSWdvWEMta1JOemo0YmlwQXZDZDV5cUEyaXc0c1ZTQ3p2QVJPaHlqT0JqRVhVb2ZoNjhnNUZZZzcxMVNlaU94eTE2dlp6eUdDQWRoLWxmUjRB?oc=5) · American Banker
- 2022-03-17 [GEMC becomes Go Energy Financial - CUInsight](https://news.google.com/rss/articles/CBMifkFVX3lxTFB5V2I1TzZKT2hvUUdJWWluaVc4amYzeURoT3hoRjMzdUxvdmNUX2U1YXZrQU45UC1lM3J6WTBuWVlPM0Y4MHo5TUZ2bXMyVFYtam83a3pHUUJoZVY2WWQyREpkaG81Wmk4dHlxaS1LZTdxSHJ3SmI5anhoSV9zdw?oc=5) · CUInsight
- 2023-10-16 [We're In Good Company - Jackson EMC](https://news.google.com/rss/articles/CBMiXkFVX3lxTE16SkN0bEpOTkVFRFZmamlIVUJvNld0blJrdmtCamxzNjJYcU9scU4yY05Jb0VtVFlBNVBlel9GbmlDUVkzU0t6eTRSMXdSaHF6eUlvZXZhMFVHU094UHc?oc=5) · Jackson EMC
- 2025-12-01 [Jackson EMC Announces Executive Leadership Promotions and Succession Transition - Jackson EMC](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWDIyN1U0QWtsNTFqbl9TcnNDbWQ2elpGUEhGWGE3UUc5OF9fdGU2RnJfdzJFNklMelRuYU5hZnFYZUoxeG56YWVLbDJNZDhRcHhTMGpxZ1NYQjFrblBnY1RWb3QwRjdpTmNZdWpNTHRhWUV0aEJPN09uZ2hQOHpVNGNJR09XQnYydERfMUliRXczNF90T2Nyb2tkNWp0R1NqYXRwZDVaVm1rYnNa?oc=5) · Jackson EMC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68698 (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/26.json (key "68698", 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=68698
- 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