# FOOTHILLS
LOUDON, TN · NCUA charter 15015 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/foothills-15015

Who the members are: federal charter, community charter, organized 1962, low-income designated. 5,251 members of 80,000 potential (6.6% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. 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 | $92.9M |
| Members | 5,251 (-0.6% YoY) |
| Full-time staff | 21 |
| Net worth | $9.2M |
| Net worth ratio | 9.9% (p20 of band) |
| ROA (annualized) | 0.89% (p62 of band) |
| Total delinquency | 0.07% (p9 of band) |
| Net charge-offs (annualized) | -0.03% (p7 of band) |
| Loans / shares | 51% (p32 of band) |
| Cash / assets | 52.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p17 of band) |
| Operating expense / assets | 2.99% (p31 of band) |
| Vehicles % of loans | 54% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.11% (p17 of band) |
| Vehicle NCO | 0.05% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 32% |
| Average share balance | $7,641 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $14,471 |
| Loans granted, annualized | $17.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## 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 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | net worth falling, delinquency rising |  |
| 2018-06 | 0 |  | net worth falling, delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | net worth falling, delinquency rising |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | margin squeeze | delinquency rising |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 2 | margin squeeze |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 3 | delinquency rising, members leaving | margin squeeze |
| 2022-12 | 1 |  | net worth falling, delinquency rising |
| 2023-03 | 2 | losing money, delinquency rising | members leaving |
| 2023-06 | 0 |  | losing money, delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | margin squeeze |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 0 |  | margin squeeze |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2022-12-26 [Some delayed openings and closings reported after snow in East Tennessee - WBIR](https://news.google.com/rss/articles/CBMixgFBVV95cUxNZEdpV1pQUVhmdTF2Ql9QUTFHWW9hdGtyRHpFbEkxS3BUODl3bHRvWjkxUDd5anVjZk1VdXkzOEVlZFhWQ3dVbVJrQWpvR0JvVmRNSG1HLVB3ZzdJTkQxSlRuSDVaaUxOWDZ4djN4ZUUxYzRzWFhLQWpDSDVHbUk3R1lHdHk3R0p2aHlacEpiSFphWWNQVi1vc0pjOTBLSDc1ajZSd1NjZkwweUxkTG5sbXNtbWVxME0tNUljV052MTcyRDFDMXc?oc=5) · WBIR
- 2021-02-26 [‘Bluetooth Bandit’ and getaway driving sister robbed banks in NC, Tennessee, feds say - Charlotte Observer](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVk9lYk1GTi16ZzkydU1LOUQwYnhXbWdWandua3g0bUxMZUY3QjZneEd2eDNMaXV6OGowMXpqaHczZHBwXzUtUTBDSGhoczhSaVRNTW1FbnY2WnVpalN1RXRWa193cUxoLUE0T1hleVpDR0EtaGVMNXItZkhhNzVPSkx2Rlg4QXBU0gGIAUFVX3lxTE96YUQ2UU5zaTQ3eGU2WmJxbWxsY0lyQXBJaV93cDZXTVpsR2F5ZUZjY3RFd0FFMVRvMkJKNnNRSXlCcFNVcmZ6SVVsNllibEJOSnBWeG56TC1QYTNyWE1OQ0d0aG9YeDBkamZwQnByVnVQQ3k2LWRtVjB5U24ydG5MTEI4TkE2WVU?oc=5) · Charlotte Observer
- 2009-03-31 [Deborah B. Mishoe Obituary Mar 31, 2009 - Smith Funeral & Cremation Service](https://news.google.com/rss/articles/CBMifEFVX3lxTE9ZeVdBaFZxRk5OdnctQUNza3R0Z1g2TmFWTzBpb0tuQmRmazM2X3N4RnVkUk9fMWQ2UnFtUUE3WHpBZU9WQ1ludHcxTnA2OHB3UEZoek1NZ2txRnpvWXNKYm9VTVEtbDRrUnRrYS1fWllJc1oxZEdvN3RvUVg?oc=5) · Smith Funeral & Cremation Service
- 2019-06-17 [Dawayne Nelson Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBYdjhuOElCelhSNXdnVzVBTmNHWG5xYl9BeVVEanFTSmV2a1d1bnhza1VDR1ZYTzhnSGJOS29FVUxqLXFWUzYtYjhBcVpqd1YxTzd5RzB5N24?oc=5) · Knoxville News Sentinel
- 2026-08-21 [Kenny D. Everett Obituary (2026) - Loudon, TN - Loudon Funeral Home & Cremation Inc. - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOcGdzSWVUV0sxUWx0YnhWY1NqUGVNQ2R5b2VlVjZTQ21kN0NFVTB4Nlppanc5TElsSUhXc3d6VzVSQ0tURERVdVpRVVdGVVcxOHpfWVNBVFlOUXl6NDg0RjNZRWVtamI3QWlqWHUxZmh2R1BHM2lnNTVzS2xJS2NkT2Z3?oc=5) · Legacy obituary
- 2026-01-31 [List: Businesses and government offices closed on Feb. 2 - WBIR](https://news.google.com/rss/articles/CBMixgFBVV95cUxNUmNFLVRrWmI0VVpmX3JGTldOZk9jSGM1bUd6dWlYdHYydjVKYThfcGppTkgxQWswbjd3MkRvTUFCakVVTFBjTTNodVFJQ2ZXQ0hCbEp5Q0RtUnlMVUJDMncyRXozZUlEd2NBMnhYcUR4X2ZFNGV0RXM2X2pZd0FLcDFqQV8ydHdTVnFoVE5PaTBVdlJEcXZTWUZTaDM3TDFmZVpRbkVjaExNZDBHTG9NQ3dweUw3NlFmVW1LcnFGRmZ4bGNvM0E?oc=5) · WBIR
- 2009-02-02 [Ricky Bales Obituary Feb 2, 2009 - Smith Funeral & Cremation Service](https://news.google.com/rss/articles/CBMieEFVX3lxTE9PdjB1enhiZ0I3N2dHa21xSDQ5X3Y1NENnOHpHZ1lBZGJqWkI2YTgycE1Fai1vU3Nad3pzbGFULU9XWFhHSGI5VTU4QVJ4RUQ4ZFg4WXQ3VzByX1g4ajE2NTVLVU1Da0w1eFdZZnVDbWx1eUs1WjZvVw?oc=5) · Smith Funeral & Cremation Service
- 2021-10-07 [Glen Eller Obituary (2006) - Knoxville, TN - Knoxville News Sentinel - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdm5uZTJPSEVKbUhxOUtnSExNQ0R3UVh2WTYtbFU2ekpfaC1hTEhPUWlxZnFpdXNHcEhxeFpxRFdjMnMtclFPV0hQcWd5R29sYTNQSUFUT3JNTFo5Y2Y5SjlOYmxpdWE4bFNhNkR4bXdFTG1TUUZiTzRCSWtQQXZfWTQxb1V1ZV93dFE?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15015 (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/39.json (key "15015", 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=15015
- 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