# TENNESSEE RIVER
COUNCE, TN · NCUA charter 14333 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tennessee-river-14333

Who the members are: federal charter, manufacturing (single sponsor), organized 1961, low-income designated. 1,561 members of 2,000 potential (78.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *ordinary*. 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 | $16.4M |
| Members | 1,561 (-1.6% YoY) |
| Full-time staff | 4 |
| Net worth | $5.4M |
| Net worth ratio | 33.0% (p95 of band) |
| ROA (annualized) | 1.96% (p92 of band) |
| Total delinquency | 0.02% (p18 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 92% (p93 of band) |
| Cash / assets | 32.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.69% (p79 of band) |
| Operating expense / assets | 2.77% (p26 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 | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 3% |
| Average share balance | $7,003 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $16,778 |
| Loans granted, annualized | $4.2M |

## 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 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | repo signal |  |
| 2017-12 | 0 |  | delinquency rising, repo signal |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | net worth falling, delinquency rising |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising, assets shrinking |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 4 | losing money, margin squeeze, delinquency rising |  |
| 2020-12 | 1 |  | net worth falling, losing money, delinquency rising |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | net worth falling | margin squeeze |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 0 |  | net worth falling, delinquency rising |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising, assets shrinking |  |
| 2023-03 | 4 | losing money, delinquency 2x band |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | losing money |
| 2023-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 2 | delinquency 2x band | members leaving |
| 2024-09 | 3 | losing money, expense trap | delinquency 2x band |
| 2024-12 | 2 | members leaving | losing money, expense trap |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | loans>95% of shares | members leaving |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 0 |  | loans>95% of shares |

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

- 2022-08-01 [Lucy Jean Smith Obituary Aug 1, 2022 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMic0FVX3lxTE96OXBaMmVRRm9HNEo4VXVqdGxQN0poNTdsQUZ3Z0VIbWRGalg3S1ExS3RWMzIxbGNJOFZFYl9oYm8tM1VxeVNud29ybjZUSTRoQTZ1Nlk5c0RMRGEzV3NaM1Uzb0RVcXpBSDhESjJjRHZSU1k?oc=5) · Shackelford Funeral Directors
- 2026-04-02 [Ijams River Rescue collects 17.4 tons of trash from local waterways - WBIR](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQY2wwR29RYWFHdzB0UlZKUFlLVk5iTk1Gd3l6eDBMRGlzWWxHaTVkMEdaVHFjZjlTaWN4dU9aTjgtWkU5cjVyMHRaemRHMmc1NUFYbjUtUl9tVG42bE9IdUVOUExYakhXM193bVFnNThvckcxVXJGX2t4b0MwZjFjZE9TeVFFbEpFM2dDVkY4Ukdxb2ZQSVpjQkIyZnEwVTQ3V09LakowYTJXRFMyYWJsa2FrdFVsblM5QXgtZC1HRnRIUEJZb3BOUnB2WnIxUURUZkZN?oc=5) · WBIR
- 2026-04-10 [TN Officials break ground on flood prevention "Wet Center" in Middleton - nbc39.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNUE8wQXBuR1BoalNaRmw1M2Uwc1VvUkxjS09qNFJIRVVkSG5WU1lJZ29WbE1ZS2RydTB6azZ6Y1Q2a1N2dWJ4bkVqeGFKdWNxRFU2S1JHMndsazB4SXc5OHUzS2Z4VjNVd1JzeXJ2QjhMazJJQ09YYms4ZVV4RDVnODFaLW9yM3IxOXZNbjZTbWpiUVo4QjFHY25yMV9VdHZ4YmVfUXhhV2NzMnVNaG9mdHI3bk1jWTEwbWphTEp2Skg5c0ZkUFloMFk4d1VsSy16ekNrbjlYS3ZFV09ybVBtSVp1S3dxamM?oc=5) · nbc39.com
- 2025-06-23 [Goines to Rise raises $36,000 for American Red Cross disaster relief during 2nd ‘Drive Out Disaster’ golf scramble - Clarksville Now](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQRWh0NTVVc2R3czlTaFdZc2hBN2RJbkh4cXZsZXAtam84V2FZZlJsa3RscW1TRWMwQjJYVXNUNUhqWVoySjBqRXNUai1xdXFIbXp2VUk2NGMzcHZyeG1BU19DUC1qQnVyMkg3MDFZYUI4akdIWkxLc1Bzc082cXQycktVREoxTll6b1d4NFhtXzREd1NpWjBhLVhfVTBxTlJtZ0pIa3pYUVJZZDdYdF82NzZJQVBuOTZ0RWRqRGg1S2pMRzVlRUlPTFFISmhEMlFnSnU5RHhEaEtrTTdj?oc=5) · Clarksville Now
- 2026-05-12 [Chattanooga amphitheater will bring music festivals back, developer says - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVG5hcFNXNERpOEhUTW5LUzdGZWIza1lIVGxrM3ZlSmw0cFRzQVVNVWlGcTVrVGhxSFptQ18zU0dlMnI4dE1yRURvOU5zS0puTDliU0Z2Y0J2UFJEMmRsV0Q4NXE3dU1HT2t5YU1NSndQSG9WNVF6LXNWY1pOT3RaWTBVdzdkR2Zvc0djdms1VzIta0ZW?oc=5) · Chattanooga Times Free Press
- 2026-06-05 [Old Crow Medicine Show Releases New Album, ‘Union Made’ - US Rocker®](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZGEtX2t5WW9TSnIxSDR2ZmU2WHVIM2RhZUFXcDdnUTNJOHdkVmxaaUl2b0Q3bnlPSmVsUHBzeC1MQVQyVlJEMkpVMXRqTjVCdk5qakJGZDlCTGlsSXJNdWxESHFoc2dzV1FSUE10N2pZM3Z2bTNmVmdCNmd4SkNMM0MyOEJxSnVkby1ydmVfREhwczBC?oc=5) · US Rocker®
- 2026-05-15 [Old Crow Medicine Show's "Last American Waltz" Featuring Molly Tuttle Is Pure Roots Music Gold - That Eric Alper](https://news.google.com/rss/articles/CBMizgFBVV95cUxQZGdNV0QxdUEyUGF0WEJnM3pkeDZmLUxFbnA1aGQ4STZwY3NYaWd6NFJ3TGZ2b3hyYkgtaW1jSk5rSjdHdkJIanhHZ0pFM3Q4ejZnbDNsWFI0TzNUR09NVTFwSWNmMlJoOXpFU1Y0aGFNZVlkdHRrMmdiQWJDUlFfdDJEZ09feWdJMFU1VUtKWkNqWWFuM0p4b2trdFhOeEROc18tU3NmYTh1akhOYUVlQk54Y0ZkRDlDeUNTTHBpVlg2aDBEWWl6NFZ2MUtFdw?oc=5) · That Eric Alper
- 2020-07-12 [Jerry O. Johnson Obituary Jul 12, 2020 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTE14Z1RtTUxmZnNyVkV0aW9fODZRazQ2MTRFS25HU2FNRWM1RjBRNE9VOG9JSV90NkxmMFppc2JIWlB1Wk95T1luaUlwWnRWN0FLd2llTnJsM0JrVEtXNmlRU29NZDNiZjEyakM1eTBvNG50TGJ3SXZJ?oc=5) · Shackelford Funeral Directors

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14333 (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/61.json (key "14333", 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=14333
- 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