# METHODIST HEALTHCARE
Cordova, TN · NCUA charter 13456 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/methodist-healthcare-13456

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 5,431 members of 13,000 potential (41.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $47.1M |
| Members | 5,431 (-7.2% YoY) |
| Full-time staff | 9 |
| Net worth | $8.1M |
| Net worth ratio | 17.2% (p63 of band) |
| ROA (annualized) | 0.25% (p35 of band) |
| Total delinquency | 2.15% (p79 of band) |
| Net charge-offs (annualized) | 2.01% (p93 of band) |
| Loans / shares | 19% (p6 of band) |
| Cash / assets | 81.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p34 of band) |
| Operating expense / assets | 4.60% (p72 of band) |
| Vehicles % of loans | 65% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 6% (p89 of band) |
| Vehicle delinquency | 2.92% (p87 of band) |
| Vehicle NCO | 3.74% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 4% |
| Average share balance | $3,873 |
| Participations bought / yr | $3.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 88% |
| Average loan balance | $2,601 |
| Loans granted, annualized | $4.4M |

## Participation posture (from the same filings)

Bought $3.2M and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (15.3% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -0.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 3 | repo signal, auto monoline |  |
| 2016-12 | 0 |  | delinquency 2x band, repo signal, auto monoline |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, charge-offs p90 |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 1 | auto monoline |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 3 | members leaving |  |
| 2019-03 | 1 |  | charge-offs p90, members leaving |
| 2019-06 | 3 | net worth falling, charge-offs p90 |  |
| 2019-09 | 3 | delinquency rising | net worth falling |
| 2019-12 | 1 |  | auto monoline, delinquency rising |
| 2020-03 | 1 | net worth falling | charge-offs p90 |
| 2020-06 | 3 | charge-offs p90, repo signal |  |
| 2020-09 | 3 | delinquency 2x band | net worth falling |
| 2020-12 | 2 |  | repo signal |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | loan book shrinking |  |
| 2021-12 | 5 | members leaving | net worth falling |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 | delinquency rising | margin squeeze |
| 2022-09 | 4 | auto monoline | loan book shrinking, delinquency rising |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | assets shrinking |  |
| 2023-06 | 6 | repo signal |  |
| 2023-09 | 6 | delinquency rising | repo signal |
| 2023-12 | 6 |  |  |
| 2024-03 | 7 | loan book shrinking |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 6 |  | delinquency rising |
| 2025-03 | 8 | losing money, repo signal |  |
| 2025-06 | 6 | net worth falling | assets shrinking, losing money, repo signal |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | loan book shrinking |

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

- 2020-10-13 [Belz Foundation donates $2M to Methodist Le Bonheur’s Comprehensive Sickle Cell Center - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWmczcko4bU1NcmZONHhfNzRnU040a2dTTEJ0dVJhSlpNYk9QRS12X0pTNUJSd29VWU1OQkJ4VGo5RVRTRG85QWRYVm1tSlRzeEU4eXphcnR2YVhhUTdKbGJGTGZBM0VYZlJyV0ZrNkV2allvbmdqRkx4eDJPVWplLV9WZGhLcDJVdlk1V2tnWWRHU2pUZnY5eWJlMFQ?oc=5) · The Business Journals
- 2023-07-12 [HCA data breach: Nearly 1 million San Antonio Methodist patient records shared to deep web - San Antonio Express-News](https://news.google.com/rss/articles/CBMiogFBVV95cUxNc25sZndoUGFTaEYyTTFGYkpZUUdrSjJRaWg5d3d4SHBCVEF3WVZvOURFRXNBYWs2RjdfdzQyN3BQcW9tNzFfM0plclFCUnZic0FaX2gzNFgyaFdwOFJBazhSLVFzTXJKZ3FQS0Z3WndydVJ1cHBpTkZVbl8tZmZBRjFybEEtWTBrdktuem1JeW44OXhoYmFyNXRaNXVaRFp3Q1E?oc=5) · San Antonio Express-News
- 2025-09-01 [What's the best place to work in Connecticut? Forbes names top 20 employers - Norwich Bulletin](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOLXlSNVVQeWd6TGJ6TnhFLUlhTGpneGNaSW9OU1pGcWNfX0FQRERYbkxQNU1kR1RHcGlGT1ZXTjJKOGR3TTFDUVk4MG1iR0ZDbE1CS1BCblE3ejZfekhrdUdUSHRtSFNuSGtmaVlUU29IMzZFNUgtRk5RQWZuYjNZU1ZuUFpPY1JjR1g4N3RsbGhtakFtbG1WeWdhSFlJLXFrWXVGekRoU29EcDQ4R0xRcU15SXVWLVo4YzVXZFkxTTZ5b1RYXzZoMHV5cnJKUnk1MkRxUUFDS1JOTG9pb1Iw?oc=5) · Norwich Bulletin
- 2022-06-27 [2022 Super Women in Business: Fara Captain, Alex Castle, Casey Condra, Rebecca Cullison, Teresa Dickerson - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPbWZQUkVsOGJZeG9pTXlSMTFLZDdsaURCbU5Ud1VEa1dkMXprMUJSSnowb0J5VXF4R3RqRUEtWE9WQVhnNTBkTEx1Y3hURDZXRk1kdWdWaHk2THpOYlA5Yjd1Z0lISE5GOFBIZEZ3dzdvN25nMjBINmk0VE02UEZnTXNhcGdxVzB4UXJ5Vm01Vl9EN2tELVcxc0NKUEdsYkx0Z2lsYktaWVF6c2s?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13456 (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 "13456", 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=13456
- 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