# AUGUSTA VAH
AUGUSTA, GA · NCUA charter 9029 · asset band $50-100M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/augusta-vah-9029

Who the members are: federal charter, community charter, organized 1953, low-income designated. 9,741 members of 556,877 potential (1.8% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $71.7M |
| Members | 9,741 (-0.9% YoY) |
| Full-time staff | 27 |
| Net worth | $10.6M |
| Net worth ratio | 14.7% (p81 of band) |
| ROA (annualized) | 1.10% (p87 of band) |
| Total delinquency | 3.05% (p96 of band) |
| Net charge-offs (annualized) | 1.09% (p91 of band) |
| Loans / shares | 66% (p45 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p84 of band) |
| Operating expense / assets | 4.06% (p66 of band) |
| Vehicles % of loans | 58% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 3.90% (p98 of band) |
| Vehicle NCO | 0.90% (p81 of band) |
| Repossessed % of vehicle book | 0.27% (p92 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 15% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 14% |
| Average share balance | $3,821 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $8,131 |
| Loans granted, annualized | $12.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, repo signal, auto monoline |  |
| 2016-06 | 4 | delinquency 2x band |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | auto monoline |
| 2017-03 | 3 | delinquency rising, auto monoline | expense trap, repo signal |
| 2017-06 | 2 | net worth falling | delinquency rising, auto monoline |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 2 |  | net worth falling |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 4 | net worth falling, charge-offs p90, auto monoline |  |
| 2018-09 | 2 |  | net worth falling, auto monoline |
| 2018-12 | 3 | delinquency rising |  |

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

- 2018-10-10 [SRP, Augusta VAH credit unions to merge - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQakh6WnlrbDh4LUh5UjZMdXFfdmhUTFVrVVhTcDlaVXhhUU5XNjhST3hsc1VVckVSeW54ZE5iRy1TbWxUN21Nd1dHZFcyenI5aDd3Mnk5cDg1VDd3RjJpYTJYZEZlSnNFZHpfdFJqa3ROYnYyS1FSWHJzS21hdjc3ZGVMM2pCREpGZTRPSkszMkxtOElPaUdhdVE4UjBleldTTTZ4SHFaaTE?oc=5) · The Augusta Chronicle
- 2017-02-28 [How many banks and credit unions are actually still local? - WRDW](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNazlrMnIzRUlUR1h3aGNCYzRlTjBDSWNVY19meHBNbS1OVGlid0dnTkplSS1kWnZuQm1uUFJuLTc4aUtyTlpxSDMwWlNPMjZNWkJNNjB2U3FmOHNUS1NZWENRcXdyVmtQdGc1d0xMMXlMNHRjc191XzRMVG1IWVNjQWFWRTIzQVRqLVd3aEllajBOSm5fZXp4ZVc2eFBvdUtsaEhpM0pTUHhnZw?oc=5) · WRDW
- 2018-10-12 [Merger to cross Ga., S.C. state lines - American Banker](https://news.google.com/rss/articles/CBMiigFBVV95cUxOODhoLWpSejhFQ2I4U1Q0ZzI5OFl4SVhuLWh2VklQLTZOTkJpRDlGVzBtblpFU3VWYjRaMHhkMjRXdWdhU0ZjTUpfckdlZGdtd0N3ZVF5X0w2Y1kwU3lYV1lJcUtHY09EWm9JTlpqRy0zSy04LWpIMTdZNTJOa012SERzWDdxdTVaV0E?oc=5) · American Banker
- 2012-09-23 [Credit union CEO works hard at everything she does - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRXFuRGFpMnFZSUp4dVFKOGlyc0ZtUkt0blVCRGlIbmZQTndDVDc2ZUFCdzhPWklHcXZsbnhod3ZIbGtQbnBxbzd3Q3JOVVBpVTlCMFZ1TnI5dDVFTmxqeUtibEYwMGJiOFIzTEFZWWxIWDlXRDg3OExwSEF0MnBkSUpOa29majlSc1ZwSEY3MENycENTNHdJc0Z0Yjc0eGd2S2NiMmIyYlVhZFh4aWpXNzVBbVJ4YUVXS2tZ?oc=5) · The Augusta Chronicle
- 2012-03-28 [Alpheus Glasco Obituary - Martinez, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNmVkRDlmbnloUTBxeXN3S0U5TTJoY3BnTTYyZF9taTNFbjJxZ1BweldvbE0xWHoxckRmdHdKUzVIZUZYZmE0N0N3aUhFMmtEbjZRMXlZelQ1U0RkQmZPcG4xcEJpbEZmeEN3YmxNUFdmQWtXdTdKZENpM3RlRHNWTzR0Zw?oc=5) · Dignity Memorial
- 2014-04-18 [DeMarcus Stone Obituary (1972 - 2014) - Augusta, GA - The Augusta Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZzRORTNOTUl4ejJWczJhdFRyQThZcm1HRHVabEwtVFdsNWNocEg1X2d0bExFWjVUUGVTOGR4ZV9MZVViZ3FYVkZZTUxWdDh1WnZXRmU1aUNuaGQzQlBrZ3BzX3ZlSjludDFGbHUtQ3FYNklMcWt0Yk5LU2M4MGFTbFNkN0tvZ0c0M1FJRUdFUF9RZF9NRlkyejFB?oc=5) · legacy.com
- 2017-06-03 [Head of market leader SRP sees great potential - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitgFBVV95cUxPWkpRLWszcHJUdzJuTUhzMGFSMjVFWEVGTUFqdnFTdlQwVzQyQmhCbXdoT196b2t4ajBlNVFlMEpHQTRxYkhIRFJIZ1NnZmdORlM3ekRmci1vNy02UnllWXhhY0hVbDltTE5QWTdlVmdhTDRHemVQMVJaY1RuNzhONDE0UXE5MDFydXRlQ05KUWlBR2ZuUmwzcFhWeUNjczVRTHhLMzhQMEdidUlBWlE1WlFFMUgwQQ?oc=5) · The Augusta Chronicle
- 2006-07-30 [On the move - The Augusta Chronicle](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZm5UVEtYczJSZXlDQU01dE1YeldkVjF4OUtaN0N3RUptRkp2eDFucTJidFMyX184amw5ZHQybFhGdGN6Z3Zyam4tUEUyZjA3dm4tTXFFTnNIVm9iREttNGhOdTB1U3czTVRtbDdEdG1TUVgwajhqdVl1OFUxRTBMN1FlWHU0Slc4dGpTZEU5Rkg?oc=5) · The Augusta Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9029 (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/5.json (key "9029", 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=9029
- 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