# COOSA VALLEY
ROME, GA · NCUA charter 9488 · asset band $200-500M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/coosa-valley-9488

Who the members are: federal charter, community charter, organized 1954, low-income designated. 38,932 members of 641,000 potential (6.1% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 206.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $286.9M |
| Members | 38,932 (– YoY) |
| Full-time staff | 81 |
| Net worth | $24.0M |
| Net worth ratio | 8.4% (p13 of band) |
| ROA (annualized) | 0.06% (p7 of band) |
| Total delinquency | 1.56% (p89 of band) |
| Net charge-offs (annualized) | 0.43% (p59 of band) |
| Loans / shares | 77% (p49 of band) |
| Cash / assets | 6.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p67 of band) |
| Operating expense / assets | 4.38% (p83 of band) |
| Vehicles % of loans | 50% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 106% (p58 of band) |
| Vehicle delinquency | 2.19% (p96 of band) |
| Vehicle NCO | 0.66% (p65 of band) |
| Repossessed % of vehicle book | 0.50% (p96 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 14% |
| Average share balance | $3,999 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 206% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $2,459 |
| Loans granted, annualized | $103.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | net worth falling | repo signal |
| 2016-12 | 4 | delinquency 2x band, repo signal | net worth falling |

## 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=9488 (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/16.json (key "9488", 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=9488
- 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