# TUSCUMBIA
Tuscumbia, AL · NCUA charter 13054 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tuscumbia-13054

Who the members are: federal charter, government (single sponsor), organized 1959, low-income designated. 255 members of 350 potential (72.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 45.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $908,517 |
| Members | 255 (-4.1% YoY) |
| Full-time staff | 1 |
| Net worth | $501,632 |
| Net worth ratio | 55.2% (p100 of band) |
| ROA (annualized) | -2.36% (p3 of band) |
| Total delinquency | 0.32% (p31 of band) |
| Net charge-offs (annualized) | 3.79% (p98 of band) |
| Loans / shares | 134% (p100 of band) |
| Cash / assets | 16.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.47% (p83 of band) |
| Operating expense / assets | 7.00% (p95 of band) |
| Vehicles % of loans | 52% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 24% |
| Average share balance | $1,786 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $4,635 |
| Loans granted, annualized | $249,207 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |
| 2016-06 | 1 |  | losing money, expense trap |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving | auto monoline |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 4 | margin squeeze, delinquency 2x band, loan book shrinking |  |
| 2017-12 | 3 | auto monoline | delinquency rising, delinquency 2x band |
| 2018-03 | 4 | losing money, assets shrinking, members leaving | loan book shrinking, auto monoline |
| 2018-06 | 3 |  | assets shrinking |
| 2018-09 | 3 | assets shrinking, loans>95% of shares | margin squeeze, losing money |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 6 | losing money, expense trap, delinquency 2x band | members leaving |
| 2019-06 | 8 | charge-offs p90, members leaving, loan book shrinking | delinquency 2x band |
| 2019-09 | 7 |  | delinquency rising |

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

- 2015-11-17 [Obituary information for Ronald "Chigger" Bates - Morrison Funeral Home](https://news.google.com/rss/articles/CBMiigFBVV95cUxPZHZNM3RxczZsUG9kNjU5VmJpaW9QM0JybWpNNjhzb1FwVkUweHV1aHlUbzFWc0hjZmdESzZmN2NETzVTcWdSVGJEbDRBQzM2Y2VjbUJqLV9rVmZrVzdwX1dobS1pLUVvQm9wM2lZR0ZEaUZaNnAtdkxNOHp5a3YzbEF6MDEweTE2bXc?oc=5) · Morrison Funeral Home
- 2026-05-06 [Man charged with bilking York County woman out of $2K in Facebook scam - York Daily Record](https://news.google.com/rss/articles/CBMixAFBVV95cUxQTEcxLU9VeVIzUkc1dE9vOTUtZkozSFFzWlM0M3VPTjQxTjZtZndtRmVJR2tLUkw0V01RMzVySFJiZ0YxeUFWd0xfTWZTcjRFVF82UndoWEVkc21vWWJFeDNGTXNjbFE2dVZvT0VVVXJMVG50TGxXbnFGcHBJMF9NWGF3TkV0eTYtc1NBTkhpRTBfYkR3TG5yTjhmbVptYmY1OGR5UFNIaXpxVzdUeUx4ZTF0NU90a3M0TjNzbWhKMUVfOWsw?oc=5) · York Daily Record
- 2026-08-24 [Ann Ann McCutchen Obituary (2026) - Sheffield, AL - Morrison Funeral Home - Tuscumbia - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQa2lHZVBzaWt5ZjA5WEZDMDBaZFpRekJoME9VUUFnLTBQWWZrdkhPVGJoRllkaERKMDNqZGxsTWN1UHd2c3E3SVN1Z2FIakl1U3RsQ0lxeGtreFh1bkczd3JSRUR4M2FTYmpISzFmdzBWY3B0STZ6SndCdkVRWG1PZGpR?oc=5) · legacy.com
- 2024-02-19 [Kimberly Hill "Kim" Masterson Obituary | Morrison Funeral Home | Tuscumbia, AL - Tribute Archive](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbG5BSm9jUU91QXYydFBlOTZXa1NQNXViZkU2TzAzQnQ4cjQ0ZXlYWng1NUM5c1JzdUtWRUdLdVVLaWFPS21vcmRCV01JTmh0OVE0TW5paDUwV05QWEFVeHJGM3VmRlJTaVpiNDRVNHh0M0xBWC1SdUN6VUE2QUZ1SnZiMy1VOEJXRXJ3RQ?oc=5) · Tribute Archive
- 2022-01-24 [Obituary information for David A. Horton - Morrison Funeral Home](https://news.google.com/rss/articles/CBMiggFBVV95cUxOUVlsRmg5d2FJcXE1SWNWSEpfQVA0ZFdsLTJDTTVBR2dYRDlkdGhMSE9YZnRxeHFuUmtoaWdRdWF3akx2WGR0S1NCMVN0eGRGQ1g2SHVGSVN0ZnQzYWY2bWJiYnlYTXE2ZnEzbVd1RWlpMFZ2T0QzQlptUlJmRDZoZXR3?oc=5) · Morrison Funeral Home
- 2015-12-05 [Obituary information for Michael Trevor Smith - Morrison Funeral Home](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMzdWNGVaalRWdjNVRU41RU5BbDhta1NmWERNZEFOam1rUTN2ZXVKOEN6dkpCeG9PMC1pSUhtQWNBSS1JUkNpUGNHVGlhUGJBem5iZVM3NHFXQm9lM0luQ01yQVB5WU94VHpra0R0b0hJUUJPdEpwbFVjYTBVQTdrTGVGckI0ZDJkaWc?oc=5) · Morrison Funeral Home
- 2024-06-19 [Obituary information for Ernest A. Underwood - Morrison Funeral Home](https://news.google.com/rss/articles/CBMihwFBVV95cUxNOFVoZVJFTW5td3pET2kza2Z2YU9pdUVZZWxpUGpKM25ISEFHMFhKcmkwTGMyai1ZT2k1V1ZUcWNOX2YtQTBZd3NYMHZmeEp6LUhzc1pPc0xWSjEzMmIzRGp3UUl4ai1XZzluc3d1Tm4xWXNxd1I1VFJvb1BxSjVIWHJSYTFTbHc?oc=5) · Morrison Funeral Home
- 2006-01-10 [Tillman Beasley Obituary (2006) - Tuscumbia, AL - Morrison Funeral Home - Tuscumbia - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQcEs0dmVlOXVNbWNNU1BKOTJtT0VTaWUxNV9XVElqQTVCSGQ0dHZrTjdNXzJlSjJmWF96am1UUFM2VG1lcTZleVNCR21nQlZDNHJVa3duS2gwY2F0S3lCNzVoV3A5M3RqRWFxMkM1N2ktcmxKNzFYdXJfal9zdEw3QTZNNTI?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13054 (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/62.json (key "13054", 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=13054
- 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