# G.H.S.
Greenville, SC · NCUA charter 9602 · asset band $50-100M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/g-h-s-9602

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 9,966 members of 15,067 potential (66.1% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *auto monoline*. 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 | $57.6M |
| Members | 9,966 (-13.9% YoY) |
| Full-time staff | 10 |
| Net worth | $4.8M |
| Net worth ratio | 8.3% (p23 of band) |
| ROA (annualized) | 0.04% (p21 of band) |
| Total delinquency | 0.26% (p42 of band) |
| Net charge-offs (annualized) | 0.01% (p31 of band) |
| Loans / shares | 34% (p15 of band) |
| Cash / assets | 62.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.76% (p19 of band) |
| Operating expense / assets | 2.99% (p52 of band) |
| Vehicles % of loans | 64% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.38% (p55 of band) |
| Vehicle NCO | 0.41% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p42 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 3% |
| Average share balance | $3,651 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $6,823 |
| Loans granted, annualized | $9.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | net worth falling | auto monoline |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 2 | delinquency rising | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | delinquency rising, assets shrinking |  |
| 2019-03 | 2 |  | assets shrinking |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 1 |  | delinquency rising, net worth falling |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 2 | margin squeeze | members leaving, delinquency rising |
| 2021-03 | 6 | thin capital, net worth falling, losing money, loan book shrinking |  |
| 2021-06 | 5 | members leaving | losing money, loan book shrinking |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | delinquency rising | net worth falling |
| 2022-03 | 4 |  | margin squeeze |

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

- 2022-01-11 [South Carolina Federal will merge with G.H.S. Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPbWZSX0pmOWhGaXc4cW5nZ3cybHhJc1BJTFdhdkRoVEVXZzNZY2Qxbng0X2ZiZlNXT0lMczdFVXZYeW9TRVFEa0ZuUjctQTJlczc5akxSZmhWUjNreGJoZm5QcjFtemhUSFlESDZKcDkxdlB5bDZJRFp3cDMtLUpBWUFKbWpzeXdZTHBUUkh4aXQ1NllBaWU1RWNkT0NtNVFWUjRsbUllRG1VQQ?oc=5) · CUInsight
- 2022-01-11 [G.H.S. Federal Credit Union, South Carolina Federal Credit Union announce merger - upstate business journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxOSndYM1lHOWJteUxPaGlSRFpyTHpVRGljd0VOSVRGYjRENWFFWFUxLTNpbDZIMGdraldfZDRfcURzV1RyRnpCam1LZ3NfeUR1c2RsZlFnSU5ELXVYY0lDRTZLZGxaYkIta3NMa081RGVFelduTGlQbUpmeGxOMlZpeEJ3Z3l0MzBaSnNMUl83dWQ5OG15Vm16ZWtrckVCbFNwVDFFY2RkVzRSdU1NeTRPOFEyTC1HU3QtcEV5VA?oc=5) · upstate business journal
- 2011-04-03 [Justin Blanton Obituary Apr 3, 2011 - floydmortuary.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5SOEpCcnpWM1NTR2RnczZsa182UzdpMERhRFQzZ1J5R0hrYU1lcGpfQng3T24zRU5OOTQyOHBFTjE5enppYlR4bF9iVldYU3FjWXJFUEUwTU83NGhnTHd1UDhkN2xwUQ?oc=5) · floydmortuary.com
- 2026-06-24 [Appli Signs 20th Credit Union Partner, Surpasses $2 Billion in Member Calculations - EIN Presswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUjA0Ty1LMjQxQm5XOEY4bTdJenRpc3pPalJCbXhYMHNvLWFfbU9sNVFfcGtqMTlrd0M4UExDMVB6cjFvUUw5MGZ3T1JTWEszSFVoc0g5VklmUGNzRFRqWFJnLTU3d25oQ2E3VzZCQ29RaVg2WVhvbzZhUFFfVVpNX1lkWmlIMW5nV3BKRjBLTEJIdzhzSlBTRElySXFOblZYSUJtdE1yWThGR0ZfRnV3RUo3N0lQVHFtMnRwVlktM2ozc3FzZVE?oc=5) · EIN Presswire
- 2011-04-07 [Justin Darrell Blanton - GoUpstate](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNc3VscTZacjRHOWRpaUNZRXJJVlJhaHdmRUlVZlZGdDN2RC1vR0hfSEF4RzFMd1Y5aUp5Si15cXVCZndhbXBqV25ZUUlmeUJWLTZWblJnQmlCTWlZTC1RRUwxMnhFNjdDLWxuUl95UmZzMnFndUFmVld1aUdoaERYQWFHOHRvZnNiUktj?oc=5) · GoUpstate
- 2008-06-06 [Yolanda Wells Obituary (2008) - Greenville, SC - The Greenville News - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQRTBtM25wbUpJVjBiNEZCa2x3QTJSak9DVFVFTDU0WDM1WGphakhCQzZmTmRUZHZDWmZNcm1LdlRqUk5GOVBJZjRmRkdJNTdDLXB6NHozRGZCamVkZ1luMEs1ejZRMlNQWmgtZDhKZ3dtV285NzhPbDNsbXgxeDFtUDVscVlMVndEbWNIWnhSdzdpRV9NZzNEaw?oc=5) · legacy.com
- 2004-10-13 [Frank Watts Obituary (2004) - Tigerville, SC - The Greenville News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPM2Z0NnNOdTMyeE5XdVVfbDRYMG1YTHd5VlZOLThxa21DbU8ybmFUdThESXdKWnI3TWd6VVpQcWM4WFpxVHVwM2ZJSkpQaE1BQm5XaEZlY0lVVWlaazN6ZzZmcUFjcGJKbnpzdFhaOThGRlQ4QUFWRGdqdHBLQnZYWElrMlJUSW1RX1VQd3JzVGd5TkZRRUE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9602 (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/2.json (key "9602", 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=9602
- 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