# ALCOA TENN
Alcoa, TN · NCUA charter 1509 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alcoa-tenn-1509

Who the members are: federal charter, community charter, organized 1936, low-income designated. 22,137 members of 257,314 potential (8.6% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 41.

**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 | $424.5M |
| Members | 22,137 (-0.3% YoY) |
| Full-time staff | 77 |
| Net worth | $57.4M |
| Net worth ratio | 13.5% (p78 of band) |
| ROA (annualized) | 1.67% (p94 of band) |
| Total delinquency | 0.45% (p36 of band) |
| Net charge-offs (annualized) | -0.01% (p2 of band) |
| Loans / shares | 65% (p30 of band) |
| Cash / assets | 20.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p47 of band) |
| Operating expense / assets | 2.83% (p19 of band) |
| Vehicles % of loans | 28% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 16% (p30 of band) |
| Vehicle delinquency | 0.19% (p15 of band) |
| Vehicle NCO | 0.03% (p9 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 23% |
| Average share balance | $8,350 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.1M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $26,543 |
| Loans granted, annualized | $79.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.1M outstanding purchased (8.9% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 3.5% year over year.

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

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

- 2024-06-20 [Alcoa Tenn Federal Credit Union: Helping You through all Financial Stages of Life - WATE 6 On Your Side](https://news.google.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?oc=5) · WATE 6 On Your Side
- 2024-03-20 [Biz Ticker: UT Federal Credit Union Opens Branch in Blount County - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWGZOYTBoZVcyRHppeHNsVkplQ0lVSlNXR0NObko2blFoY3JNRE9wOXNZUmtBYTlBLWFhalBkYkgtSWJWNWdWclNSZmswMDcxeHdicG1vX1M1RnNKemNNUkpjX1VaeTlvYWZpZF9EMkl2VVRnc2E5dFdPekNZOHF0U3lKd2NKMVBQcmlnM0JaZnZzdERnLUV3LUpUc2xIcVRKcENYaFB1SXNzWHF3V0R4cDhMVWZuSjQ?oc=5) · Knoxville News Sentinel
- 2026-05-06 [Bruce Baker Sipe, Jr. Obituary May 2, 2026 - Smith Funeral & Cremation Service](https://news.google.com/rss/articles/CBMic0FVX3lxTFAxa2V4STZJNlhXVFdmbEZnUDlhbG9qZ3pFWUlGbUtiZUdlVl96LXp0R3F5bjcxLVQxTEpUaXBpVktjQVJ3ZVFqZDJmUHpucmZ0TkpyREl6czM4NGRUV3diUXpLdDBwdERHNnc3NGVaczh0UlU?oc=5) · Smith Funeral & Cremation Service
- 2025-05-16 [Over twenty local companies award Alcoa High School students - The Daily Times](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNNUpFOXhNVHdwdHhJRm1Ub1Y1MGEzV1R2RmdObnhUQk5nN1k2QktjcEFUcjRPQlFVT2N2d0hHSzRpSkx4YXQ3YWU3QU12a2VJZUhFbFhzbWVrVW5INHdSUTI4eGw3bWw1bHRzU0M0R1dtX1FCbXFFX0VlOTVhUG41a0pwdm14MUlja0VtRUpFbElmQnRxdkJnRU81dFN0RGZfYWJzbGQzTWp5SmI4a3hIODl1RHNUNW9LVHg2Z2tQOWtfZUtaUjRMSHhpNHYwVVhWczlWSHpUajh6Vk9KSEE?oc=5) · The Daily Times
- 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
- 2019-03-14 [Larry Edwin Renfro Obituary Mar 14, 2019 - Smith Funeral & Cremation Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE11LWpkSmNTWTJyN3hCcmtqZjVwUXV6dmpRbXR6WjJfemhWNHhhazEwVUphaHFJaF9RUjhMYXN6Nnp5ZFBRcUtHREJJUDRpbk5Pc2kySzd1c3dDTEliVi1VUnhVU1BPSHJ2RW94Qm5ybXJkQnNQ?oc=5) · Smith Funeral & Cremation Service
- 2024-04-12 [James Fiegle Obituary (1947 - 2024) - Alcoa, TN - The Daily Times - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRlF2QmhieEQ5NXhHRV9DcDhHVVJrYmktUlRNTFdFSEFXcmRKMENHalFLZ1pJNlZ4RTZzQjlkc2hvNFJfQ2NSdUtSb3lnWEZ5QnByMWUyTU5ENnhTaDN4V2V4XzM2V3J1dFAtcVEwWVBZX2VtRlF4ZGlVVi1vcGZSQjZUTzdMOWNIclNuYjB4b2xPVlE?oc=5) · legacy.com
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1509 (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/37.json (key "1509", 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=1509
- 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