# TENNESSEE VALLEY
Chattanooga, TN · NCUA charter 1520 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tennessee-valley-1520

Who the members are: federal charter, community charter, organized 1936, low-income designated. 178,561 members of 1,041,503 potential (17.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.19B |
| Members | 178,561 (4.8% YoY) |
| Full-time staff | 514 |
| Net worth | $467.5M |
| Net worth ratio | 14.7% (p92 of band) |
| ROA (annualized) | 1.45% (p92 of band) |
| Total delinquency | 0.50% (p37 of band) |
| Net charge-offs (annualized) | 0.36% (p31 of band) |
| Loans / shares | 88% (p55 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p86 of band) |
| Operating expense / assets | 3.22% (p50 of band) |
| Vehicles % of loans | 39% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 126% (p46 of band) |
| Vehicle delinquency | 0.37% (p23 of band) |
| Vehicle NCO | 0.92% (p47 of band) |
| Repossessed % of vehicle book | 0.01% (p26 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 63% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 25% |
| Average share balance | $7,916 |
| Participations bought / yr | $40.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $11.6M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $35,870 |
| Loans granted, annualized | $1.16B |

## Participation posture (from the same filings)

Bought $40.0M and sold $0 in the latest annualized quarter; $11.6M outstanding purchased (2.5% of net worth), $4.4M sold and retained. Sold in 4 and bought in 2 of the last 8 quarters. Shares 9.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | members leaving |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-02-18 [Board Member John Pogue Retires After 49 Years At Tennessee Valley Federal Credit Union - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOeV9jYmlYTTNuZGRHdG1JaUdSOVJEUDBsU2lZWllMU1pabkg5Ml9ENVRkRzV5YVdPbnVkRloyUm1qZzBuc3phZ0NCdlRidnhPeTBWRDdsNEtUX0l1SGQwOHdXSlg4RnhLR2pPd1BiWTRWamNMQm9qTU8tVm84VTZXSllnekVFdFZ0el83eVNYT05Vdw?oc=5) · Chattanoogan.com Breaking News
- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info
- 2022-04-22 [Tennessee Valley Federal Credit Union welcomes three senior leadership team members - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNQm9ka09CLTdwc2Z6NllrYzhfa2RpTlpHUmZxbE1zN3VGMUtRTk91bmMwRFpuazRKbU5zSXF3Y0d0T21Oeng3Mk1DMDZNMkRicDFpd1E1THE5OWgyOUF5cFpnd1dDZ2RudWFvY0pBVm5fdmU5b2lqTGV0TnJLOEJEOUVNRjJINTl2QWZfLTJWVXM2WElwcEY3YU00T1NkVURCYS1yYjlqLVBsMnJCVUYtTElOUzlDRVVlRkJPMm5yMnR5Zw?oc=5) · CUInsight
- 2022-08-09 [Tennessee Valley Federal Credit Union expands into 4 more North Georgia counties - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTFdDNVIwX2J0TW1XODNiZExYZlpKbzkyWEFlRnZpNVFJSHZNUVZaY3JIdC1BWFpmaldaeDZhRmdkTFUycHRObXRYV0JKOUlvTXMxZld4aUNTX2NqbzJScWFhdXZrN1pYRnpaWVl6OUJqeDJWdjk4Q0VLcUxCSWM4UVdtcVFpZzJrVUtOakdMYkgwQUc3RjUxZ3cxZHcxdWRF?oc=5) · Chattanooga Times Free Press
- 2019-03-20 [TVFCU awards first Idea Leap Loan to UTC VEP graduate - University of Tennessee at Chattanooga](https://news.google.com/rss/articles/CBMimwFBVV95cUxPX0k4anA4Zngxb0xHaXFvbUJuU2NCTDA4WXZYa2NuOUJZQ0VnS1hmaHR4NG9sS0paclgxRUl4cmdkY2stUFN5M0FYNllfd0V4TERNdVkzWThMY2RyQ3RKU1R0ZWFvWks3NHVXUlZ0TWdjVVpVYlJCUlBERWhQb2VsNDR0amhxZGNmZFFDYlVpVGQyTjhFUWlHMlZXQQ?oc=5) · University of Tennessee at Chattanooga
- 2025-11-25 [Nancy Moore Obituary - Hixson, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE9IZkxvekNvdzZpY1RiSWU0b1dvdkFtZGhyMnMyWU4tYmM4UEpNOWxvYjcwYkstYU9uMjBRWVE2SVNLdmdxbDZCampaaEJabVliakNhVmZETGQzVnd4eGlBLW96QWJyTXd2bmp3V2s1M3g3NlQwbmQyZjVYclkyUQ?oc=5) · Dignity Memorial
- 2024-04-14 [Credit union opens first 3D printed commercial building in the US - Co-operative News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOS2pJZ3RjbFE3MGQ4NTIwUTVDZ2sybDhRTHNlQUxSY1d1TU1LRUF1d29WdU9vTkxQVzdCY3V5bFJ2UzNDZlJYMDBxaHFKb3J6Vy1qaUVldkVSTmtnZGNHZUtxZ1FrbzRHUVNzSEsyMVFtYUItNWFXQy1vZU9mRDIxQXhSV0lkbHBSRS04NUxtT3lmZzZ4U0E?oc=5) · Co-operative News
- 2023-07-06 [TVFCU Named Among Best Credit Unions in Tennessee by Forbes - WDEF](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdTZNRkROandjcnExN2JOUncwVUtnV2lONGw2b0JFNzNRRVVabzluR3ZCV09ScC14WTFRSXo0R1FmQkptcGU5bXoxYllrNUlGUEVWR1QxVXdNQTI2VTJnLTV4dUo1c2lvVnpLeVgyMVBVX0pIV3JjQUpuUHREVlJocl9uWUtucmQx?oc=5) · WDEF

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1520 (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/48.json (key "1520", 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=1520
- 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