The point at which one becomes an Apostate is when the Elders decide it is so. From the org's point of view.
When two Elders were trying to trap me they repeated the "Loyalty Question " three times in our conversation, put in three different ways, but basically it was did I believe the G.B were god's chosen channel or whatever, I dodged that bullet three times.
But if I had told them my thoughts I would have been DF'd for Apostasy I am sure. And yet they knew nothing of the Doctrines I rejected, and wouldn't have asked.
Beware of Elders bearing gifts, well, pretending to "Shepherd" you !