# TENNESSEE MILITARY
LOUISVILLE, TN · NCUA charter 11152 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tennessee-military-11152

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 1,566 members of 5,169 potential (30.3% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.4M |
| Members | 1,566 (5.5% YoY) |
| Full-time staff | 5 |
| Net worth | $3.9M |
| Net worth ratio | 12.9% (p37 of band) |
| ROA (annualized) | 1.74% (p89 of band) |
| Total delinquency | 0.00% (p17 of band) |
| Net charge-offs (annualized) | 0.08% (p57 of band) |
| Loans / shares | 76% (p75 of band) |
| Cash / assets | 31.9% |
| Borrowings / assets | 0.16% |
| Net interest margin | 3.86% (p49 of band) |
| Operating expense / assets | 2.79% (p27 of band) |
| Vehicles % of loans | 36% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p87 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 17% |
| Average share balance | $8,045 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $71,412 |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $18,440 |
| Loans granted, annualized | $9.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $71,412 outstanding purchased (1.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | delinquency rising | net worth falling |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | repo signal | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | repo signal |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 0 |  | losing money |
| 2020-09 | 2 | net worth falling, margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | net worth falling |  |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | members leaving |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 0 |  | members leaving, net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2016-02-18 [knoxville-credit-unions-help-pick-up-20-shoppers-grocery-tabs - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMUNCbjBoUkZ0d2R6MEJkNG1sYjdGMDVHaEJSbURORW9IM0phanhsaU1xekxGQ2RMbWVlNzFOMWhrdUp4WldpWkFpNVVHdm85VW5Fa1ppcjhKdUE5VndTNDBQR0k0M0hPUDBiR3lLS2hUeWJKc0VGdzAyVzZCdFptckJyY3lDdWdUanRsc1Fvd2RZSVdYNnlWaHdfeWtuWFdlRmxKZVdBY0YtT28xOU43dkpCZGN6bG5kdW9B?oc=5) · Knoxville News Sentinel
- 2025-08-02 [Celebrate emancipation with Eighth of August tours, music and baseball - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi0AFBVV95cUxON21FZm4xNzg2RkFnX3gtc0xXRHBHQXhYR3pZSGJ6TGYxRk90R05fOVp1d0JRTnVUeWgwMmxmNllOMjhIbnRUZ0thQnJhY01vNWd0cEYwLTBIQTdqcl9ZMUo0T0c1UzRfd3B0bW1CcTJMYTQ1Sk1LU0JrWXFYbFM1ZmY1UE51UTJjLWtNU1Myd0d4UVM3Xy0wSW9IN21GMThJUzk5SEl0YW5xUE5vZ1UzenROcm42emZDa2JNVERfeXdUc3RWWW9pZEEwY2tRWmZi?oc=5) · Knoxville News Sentinel
- 2025-01-09 [Mildred Bernice Poplin Cagle Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9BeW83WjNWazhkWjRqcDVmWHhwTXBXc1VwMXRUQThfbUFadXZXS1FkOG5BZGJ1ZjZlQmlQeU9rdFotNWFlWW9iLWFqUWJyemUzNFZqb0FRY3FRajg?oc=5) · Knoxville News Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11152 (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 "11152", 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=11152
- 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