# HOLSTON METHODIST
Knoxville, TN · NCUA charter 11356 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/holston-methodist-11356

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 1,934 members of 7,500 potential (25.8% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.3M |
| Members | 1,934 (-5.0% YoY) |
| Full-time staff | 4 |
| Net worth | $941,807 |
| Net worth ratio | 5.8% (p2 of band) |
| ROA (annualized) | -1.22% (p5 of band) |
| Total delinquency | 1.19% (p74 of band) |
| Net charge-offs (annualized) | 0.55% (p84 of band) |
| Loans / shares | 65% (p76 of band) |
| Cash / assets | 22.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p80 of band) |
| Operating expense / assets | 5.84% (p96 of band) |
| Vehicles % of loans | 20% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.65% (p67 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 21% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 48% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 11% |
| Average share balance | $4,692 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $7,056 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | delinquency rising | net worth falling |
| 2017-09 | 4 | delinquency 2x band |  |
| 2017-12 | 3 |  | delinquency 2x band |
| 2018-03 | 7 | capital below 7%, net worth falling, losing money |  |
| 2018-06 | 9 | assets shrinking, members leaving |  |
| 2018-09 | 8 | delinquency 2x band | delinquency rising, net worth falling |
| 2018-12 | 8 | loan book shrinking | delinquency 2x band |
| 2019-03 | 7 |  | losing money |
| 2019-06 | 8 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2019-09 | 4 |  | capital below 7%, assets shrinking, delinquency rising |
| 2019-12 | 6 | margin squeeze, delinquency rising |  |
| 2020-03 | 3 |  | expense trap, delinquency 2x band, delinquency rising |
| 2020-06 | 5 | net worth falling, delinquency 2x band |  |
| 2020-09 | 8 | capital below 7%, loan book shrinking |  |
| 2020-12 | 9 | expense trap |  |
| 2021-03 | 9 | losing money | loan book shrinking |
| 2021-06 | 8 |  | margin squeeze |

## 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
- 2017-10-27 [GrooveCar brings on 25 new credit union partners in Q3 - Auto Remarketing](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc1hHdERaTnQzbDZKbEVObEJXb3BzTXZIQXdxajFVQXJSeVBtTmFjc2RNV2NzR0E5eVZkQklJZ3RQYTBvRGFaLVpXR0k0M19SSkR1MEtYdEx0SGVIN2tMeXZnZzhfMXdtLW5fTGxOeUNLYjZUdzNNYlJLTUU5QUk4WmxQbVZpUnNIQ0R1eFJXMHB3SFFi?oc=5) · Auto Remarketing
- 2023-11-17 [David Lovelace Obituary (1938 - 2023) - Johnson City, TN - obits.johnsoncitypress.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPeEFnc3hlYlJINWdtT2swdk5BVDBDT2wtQW9sc2NlUTNpdzdEV29pLVVDSzY4cldicUlqWkRGSl90cEo2dDFaQ191SlRVb05JaE1mWEpBWmpRNkFQUDVrV3JWcVBhYml0ZEd4SHBrX2xLNlBsTVJvTmdHcXRMM1hsZUktVEVCLWU5a0VkYTZDdV9RUmlTWTRZU3ZSRkwyWnhOeWxUZ0xHbUxxUQ?oc=5) · obits.johnsoncitypress.com
- 2021-10-06 [Romelda King Obituary (2010) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQR1Q4SzNHX1NmcWNMQkVEalE3R2FyQnQ5MlB1LTVaNWk2Sy0tTGh6T213M0duMHltcnY2aG1wQmtCOWRsdEEzSXB2STRlOXFwMDFLcU1aVUF3VlE0LWxBWlhvd0ZxSkhNOTVWdTRhMnVIbzRIeHBac2hfZzJRRlh0UjJDU3JibDl1MmVlbg?oc=5) · legacy.com
- 2023-11-17 [David Herman Lovelace Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBDV0syZkswSE9jSUJpYnRkYThqQ3ktb2xzRkdVNS01VHpyMTlPYXdnNnd3SXpYYVJjWlM5dS1RbG1mWjlBY1NrZEo3UHhVVVhhYUZsTEIwdjI?oc=5) · Knoxville News Sentinel
- 2014-03-13 [MMC Foundation welcomes new board members, staff - Oak Ridge Today](https://news.google.com/rss/articles/CBMijgFBVV95cUxOU1dfR3V0Y0xiOWI3ZEFYVzRmOVVrQUttZ3ZNTWdLZnJaUFNXYmVzUkNVVG1XX3Q4LTljRnpVS2NCakVsaWlsTmN2ZXFJa1pwNExMOGExd1pYVVlMQW10al9CeXM4N3N3amVYX0pERHFyUUprMTRVMDRvSHVvTnBZNTVab2duRWc4d1ZpWTN3?oc=5) · Oak Ridge Today
- 2008-09-06 [Mary Hankins Obituary (2008) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQaDVwTjBmZFFic0JoM2U5ZWduMF9pWEhaUmI0cXdvTDk0ZG52R3hUVkdjcTNHc25lS3VVN0JzbEtXQ3hZT1dNTlJURjc2OHhwSmRVWlR3eFJiZ1dtS29jTUt4UjcwdjFPUTNzLXNKbkVPUHhqb3lDOGZLckpCeVJaMVc4TGhXN3l2OEhHYg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11356 (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/28.json (key "11356", 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=11356
- 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