# KNOXVILLE LAW ENFORCEMENT
Knoxville, TN · NCUA charter 11533 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/knoxville-law-enforcement-11533

Who the members are: federal charter, community charter, organized 1957. 1,666 members of 506,748 potential (0.3% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.7M |
| Members | 1,666 (-3.6% YoY) |
| Full-time staff | 5 |
| Net worth | $5.3M |
| Net worth ratio | 12.9% (p37 of band) |
| ROA (annualized) | 1.00% (p70 of band) |
| Total delinquency | 0.17% (p30 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 57% (p49 of band) |
| Cash / assets | 32.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p30 of band) |
| Operating expense / assets | 2.65% (p22 of band) |
| Vehicles % of loans | 59% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.21% (p40 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $11,772 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $22,482 |
| Loans granted, annualized | $7.5M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | net worth falling | members leaving |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 0 |  | net worth falling, delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | net worth falling, delinquency rising |  |
| 2019-06 | 0 |  | net worth falling, delinquency rising |
| 2019-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 1 | delinquency rising |  |
| 2020-09 | 3 | net worth falling, members leaving, auto monoline | delinquency rising |
| 2020-12 | 3 | margin squeeze | members leaving |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 2 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | charge-offs p90, members leaving |  |
| 2025-06 | 2 |  | loan book shrinking, charge-offs p90 |
| 2025-09 | 3 | assets shrinking |  |
| 2025-12 | 1 |  | auto monoline, assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-07-14 [Knoxville crime scene technician remains in hospital after shooting; donations being accepted: KPD - WVLT](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPSmRpaGozdzVfYXJrUnd0Zldic2I5Mmc4VTVMaWtlckJfRUkyblNOeUJ0Qm44a05wYTFsYXVRdENRSnhvVi1WZmhpS2pjaEZwQTZXUnFkb1Vwbi1YU184enB4LWRXMDhPa0ZqUU55TkFVVTQzX1BhUThaa1N6c0xPa3ZIRHQza2lYYlZJMWVvR0JTR0JkQ0t2Rl9saEphbGtzNHBnM1FpSUdXQXd3cUxNdnFpUXRSYWNUOVFLLTYzOWxQRnc?oc=5) · WVLT
- 2025-10-31 [Funeral services announced for KPD Lieutenant Gordon Gwathney - Knoxville Police Department (.gov)](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbGRBQlB2eURBMEprOG4yNGExR0d4V2ZOVW1IMXlQMThHRGRnd1hSR2ZFU0JkZzY5LTJBekZqN0p0LWlYNEgxaG5EenlNSFRBLUl0LXZrY2xaemM2cjV4UXRpVjhuNHctTXZlM2ZUeDhQN1VBMk13Z3Nnc0txazZ6VWhaOXZkTS1uRVgxOGpFeDgwX2tkZnBCeXZPX3hhWHE0TXc?oc=5) · Knoxville Police Department (.gov)
- 2026-07-15 [Knoxville crime scene technician recovers from being shot, suspect waives bond - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQdUJlRHhUUmJPdFdkeVJlR01tNmNzNGFsZ2lVTDJzUTRmRVdLOE4waU93dG1KVDFPNlA0NXE3eEpkbjFYTS1sT3FGVVk5VFBnZHg1RzNHckMzc2lFYVhnaU9JcXIxcnNvQUhLMGFzNWNwZjUtQXZ6cmpIcXhPVlZpSE56NEZBLW5QUU5OZGVWS3NUYzhUVU9KaC1vMl9uZEJaeUZRdU9UdGZBeVFFbkFJdnVFenlLMmhGTXFpcTVtdDNaeU9ySkRsR1NEZGYxc1JBV05DSA?oc=5) · spectrumlocalnews.com
- 2023-10-05 [Education fund set up for son of slain Knox County sheriff's deputy Tucker Blakely - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNOW1SbnA1ZkNFb1U1eWZ1VVdLLUQ2V21BVHp2cS1pUXFMQ1hWZjE3R3pSU0tqWUNBM3hHQV9nMnNpNkhoNTJsYWJhN2NrOUJoOHhFUGRfUnhieDRyQkhmZkNaaVFjb3MxMzhxN3p2dWNjWEVFVVR6RDdaeFlSV3ZFbGJES1V1aVJoak1VUXF3eG9ra1VBSWJUYUo0eGdKM3U2V0JVeEJSZmotOUV5eUo3UGhlNjkwV1hIMC1QU2d3WEpFNEhGQ2RhWmJhaFdFbmJFLUFqTzd5aE1lbDAtbFE?oc=5) · Knoxville News Sentinel
- 2023-10-06 [Tucker Carmichael Blakely Obituary Oct 2, 2023 - Mynatt Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE40eE00QUdVUDQ3SUR3WWVWZnpxQWlLeFRJXzFpNDQ5NHFrdjV0eXVXRGEzcmtzUnlJTHIzbDRJX29pSE0wSno1ZzlabExPVXBpTTRvaTlfUGRVcWtVUmVnMVNFNVZjeUxuR21ON2t3?oc=5) · Mynatt Funeral Home
- 2024-02-26 [Knoxville police recruit dies after collapsing while training: What we know - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQVlhKb29McjJlV1ZmTUFsdDlyMjNGTkNkUlBLOFZBcU5pT2FpOVB0WEc4UXdqbEFKdldDVlFEemZBcTFxZlZUSGU2emxaUmNPVFd4aHVZbXVSU0VTajJkajJybEtoSzBhZGpMR3ZsOHQ4RnhtQTBBMmdRZ3IxbTdGOEM4VTRfcjJob3MyV05Rd3JuRkpkSGlXSWhDeDVhZWNjZjlKYnozTHBHMl82eVRwdHc0SG5vbko3bF9BMEx1TXoyZw?oc=5) · Knoxville News Sentinel
- 2021-10-02 [Kenneth Reyda Obituary (2008) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNektFV2kyV0thdzYtQmZZWFpsRkZUTE1nN08ydjlQa0tFMUUyUHgxZk9maDVXUWNFYTdsS2VMN09SQzE5N0RkVnQ5ZDRuamFWcTV5N2U4ckNHWVJsMGRVNVZfbmpuSUNOZEFicndLVFFkbTdvUklhcUs1UzdESkg2TXF6ZWNuaklPeHI1dEJB?oc=5) · legacy.com
- 2025-10-31 [Funeral arrangements announced for KPD Lt. Gordon Gwathney - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMirgFBVV95cUxPWVByMmlkcktKM0t3S0ZDUXIxal8yaDdGRUVPZ0hGTk1CM2hUU2ZHOGdCVFVTc3pTNE9WQjRQSFJOVmt5a25ucUNwZFZzXzY1LXl2RzR4WHB2bEM3Sk8wWUo5ZHF5WTNEeVVBMTR6dVJzSHZIUjVmN0Q2cHhLc2V0Z2k1ekU2NUc2YkFmYkx2c2R6UmwtSmZHSXJpMG94dmlMdVk1VDRaWkVvOEZQZ0E?oc=5) · Knoxville News Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11533 (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/13.json (key "11533", 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=11533
- 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