# INTERSTATE 
Jesup, GA · NCUA charter 68717 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/interstate-68717

Who the members are: state charter, organized 1968, low-income designated. 35,896 members of 473,162 potential (7.6% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *auto monoline*. 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 | $408.1M |
| Members | 35,896 (2.6% YoY) |
| Full-time staff | 87 |
| Net worth | $61.2M |
| Net worth ratio | 15.0% (p89 of band) |
| ROA (annualized) | 1.96% (p98 of band) |
| Total delinquency | 0.31% (p22 of band) |
| Net charge-offs (annualized) | 0.25% (p34 of band) |
| Loans / shares | 94% (p94 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p66 of band) |
| Operating expense / assets | 3.70% (p50 of band) |
| Vehicles % of loans | 67% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 136% (p68 of band) |
| Vehicle delinquency | 0.34% (p31 of band) |
| Vehicle NCO | 0.15% (p16 of band) |
| Repossessed % of vehicle book | 0.32% (p91 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 39% |
| Average share balance | $5,970 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $17,674 |
| Loans granted, annualized | $125.1M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-09 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | loans>95% of shares |  |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 3 | loans>95% of shares |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | loans>95% of shares |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | repo signal |  |
| 2024-12 | 2 |  | delinquency rising, repo signal |
| 2025-03 | 3 | loans>95% of shares |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | loans>95% of shares |

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

- 2025-11-19 [County Fire Chief, EMA Director Steve Carver named 2025 Christmas Parade Grand Marshal - Douglas Now](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQU05aER4ek85N3NZNVZRWDU1MkZsRHp1eURGaXhoU09hSEJFMzlkUXhvLU5XSHE2ZkZkZ0VQQWlORHMzTmZGV2V2UllObGVPSktjYlBPUlVzQWRVa0M0c2xNRUNKeVE2U0Y2SS1DRWJERmdSalFVQ2Ffa2JydXJldWpjaEVRaVlRSU1nNGEySGFZMlJXTXFBRGxBTkVyb05vd3hZZlBiUDVpd0ROaHc?oc=5) · Douglas Now
- 2026-08-02 [Rome-to-I-75 Highway Project Clears Major Milestone Ahead of Construction - Coosa Valley News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQYVpSUTQyQks2WTM5T1ROLVctcW5XVFlSeUMzdVFPZWd5UDd5MXNia1VPVlZWem9Uc0ktNXlhUmVOV0NXaXhSQWF4Q3J4MXZkaWVidjNIbmVUTVJ5blZyVmgxaFJSRElKZHFDTzNCOERyaW0tUU8xV0dCTkl6a3I5Vk9VSnRKZkVFQkNzbDB2bUNQUEVMWk5yZm0tNkl2aUlBU25OTjItdXA1ZVd5Q2Zv?oc=5) · Coosa Valley News
- 2026-03-27 [Five-Time Entertainer of the Year Luke Bryan Brings the Fun With New Single "Country and She Knows It" - That Eric Alper](https://news.google.com/rss/articles/CBMi2gFBVV95cUxObl84RDlncW9KeWxyNDhEc1lKUUhPS2Iwcm1Fd2R2dlY5Z2hvZG9TWXVMRHoyQ1RUTDEtTURIbURwdHlOOUFTak9GRlhLcHhFT1liUFVHdXJKcWZuZ0U1dDM5dTBuc3VTWlI0SFZUVjJCcFhES3k4Nnpkdk9PUmdmXzlXbjVsOGh6Nk1xSWFsQ0NOUExFTGtxS3EyZzU2N21GdUllem9hd29TaVo5VVJCMDRuLVR1U1I1ZnB5QUVCQlI3OXE4V0hHNW0tMkRJSzR6dTdUaGhhdm5uZw?oc=5) · That Eric Alper
- 2013-11-20 [Four men charged in Midway bank robbery attempt due in court - WTOC](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSXVpdmZnb2JueEhIOVdQMC1RdjJnSFJPV0dVanJ3Q2EyRU9RSjRGYU9hR1p6Y0VsdXF3WjhwNTZpbkVXeHgtUnRVNHNWb2RYV1lPWS1mRGJ4TC1JVlJyRUpZdW9qSzJ6UHo0ejg4OHRnbGh3VlhZM2F1Qmg2cUNKd01sdjlHNkgyQ2VuXzlwUHE0SHVtQnZReENIMUZIb0U?oc=5) · WTOC
- 2020-08-27 [Woman found dead in Macon was killed in a hit-and-run, authorities say - macon.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1GQ0dUd2VMeFFnaHBSQWEtMUxzSllZSm1OV3AtWDF4c3k5UV9GMXd3Yzh0OVRvNDkwSzFaR0p4ODdROFRoOGx4T2U3Nl9Rd3N4Y0tYNFE0TFlVTk1ENFpnYkJaUW3SAWRBVV95cUxOYjZtMDR2S3pBRkNDbm5nRkxsM1Q0dV9pSlROQ3VWUGlLeHZta3hadDY3SGd1QmhBblEzNzgwS1VkWTZNbHBUMHlqX0ZOUE9pbWVHbzBtYnpEV1FlZXlDcUx6aktD?oc=5) · macon.com
- 2025-04-09 [Credit Union Plans Branch in Conyers - WhatNow](https://news.google.com/rss/articles/CBMifEFVX3lxTE5ySVRqMVVnTGkwaUdVbUx2UTlsRVhia3hPZl9CUGF0X1BXYVhGeEp3MzUyaERTY0xkUkJ5M3RpUkFaODJWN0RWWjVvY2xLbUdIeXJ6VG40QU52Z1pwNm1Za2lvN0xtUGpLR0stV040SC1oRnZlTUtfSl9nZm8?oc=5) · WhatNow
- 2023-05-23 [HQ project breaks ground on ashes of Ford Atlanta Assembly plant - Urbanize Atlanta](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSzVBeFlLYVBDVWt4TmFWUFBuWG1KNDNveE1YcEEtVHJCMkk2NzI2clRia0h1R3JEQW00UXkwZXM2U3kxUjhUQ056eFVqZ1U0S1dYa1g5U0kwcEIyUVZVSnZCZEpZZ0hMQWNPYW5MZ2V2amJKMUtlVXE5MTQ0THNRLXc4RDViYTlDZ2x5S083SlEzTkU1aU95MkloRUR6aG9mZUNv?oc=5) · Urbanize Atlanta
- 2009-02-02 [Ernest E. Vaughn - Obituary - Jesup, GA - Howard~Jones~Nobles Funeral Home - CurrentObituary.com](https://news.google.com/rss/articles/CBMiVEFVX3lxTFBvempNRjVDMkhxWmZMNUFiUWQ3akVFcFo4T1JQeHBqNzJ3VXZrcEFSTm5vNWdYXzVXdTZZTmhvY3NvSXZabS1abWgzSHlpcG5oM0NhOQ?oc=5) · CurrentObituary.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68717 (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/45.json (key "68717", 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=68717
- 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