# U. T.
Knoxville, TN · NCUA charter 19448 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-t-19448

Who the members are: federal charter, community charter, organized 1969, low-income designated. 25,612 members of 700,000 potential (3.7% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 47.

**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 | $572.1M |
| Members | 25,612 (-0.1% YoY) |
| Full-time staff | 100 |
| Net worth | $53.0M |
| Net worth ratio | 9.3% (p25 of band) |
| ROA (annualized) | 0.41% (p29 of band) |
| Total delinquency | 0.15% (p6 of band) |
| Net charge-offs (annualized) | 0.30% (p37 of band) |
| Loans / shares | 92% (p83 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 4.21% |
| Net interest margin | 3.41% (p45 of band) |
| Operating expense / assets | 3.40% (p40 of band) |
| Vehicles % of loans | 37% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 234% (p81 of band) |
| Vehicle delinquency | 0.20% (p13 of band) |
| Vehicle NCO | 0.59% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 253% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 31% |
| Average share balance | $9,923 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.9M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $37,704 |
| Loans granted, annualized | $90.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.9M outstanding purchased (26.3% of net worth), $3.5M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 9.0% 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 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 2 |  | net worth falling |
| 2019-06 | 1 |  | thin capital |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 | loans>95% of shares | delinquency rising |
| 2024-03 | 2 | delinquency rising | loans>95% of shares |
| 2024-06 | 2 | loans>95% of shares | delinquency rising |
| 2024-09 | 3 | leaning on borrowings |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | loans>95% of shares |
| 2025-06 | 3 | loans>95% of shares |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | net worth falling | leaning on borrowings |
| 2026-03 | 2 |  | loans>95% of shares |

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

- 2026-09-08 [UT Federal Credit Union strengthens leadership for the future - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcWsxaHA0dkszLTdyekpURnNjYUNIOGYtdzNpbWpCUUFjMW5JSk12UHVwUGNEVmVBNFdvazlVdExHeUdRZXZ5OWMtUGdyMlQ3eER2SHFNSGZsUjl0em9VMFFnSi1sdmFhWFpHTkNhMTlwWTI0ME9CS0dsc0hMMU0ybTFmOTZTb3NSa1pjcDdPZV8wVl9tNmY1alJhTTJNd0hBSi1ZTw?oc=5) · CUInsight
- 2026-08-14 [UT Federal Credit Union Offers Employees Unlimited Paid Volunteer Time - cutoday.info](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPOTJNSUYtb1gtZEoxUnVxYlJfOHEyZkJQdzg3dnFPX2lyOGljRzI0eEg5Y09jc0J4b1lxajIwenBnT2t2clZ4NEJLQVFqT240V21KVkNtdHNLVklvZDd1Z1ZhTVg0UzE3UEZYWFNvTE5ia1k1UVBGTmx2WnI0UGNYSl9naThFY2Y1XzVTTkMySHhOSHM3SUxPS21pQ1Q5MWVSaThuVVljekM1WmFGVWdBYTQ5cU5SUHVk?oc=5) · cutoday.info
- 2026-04-29 [UT Federal Credit Union recognized for “people-powered” digital marketing approach - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxQYlFsMFNtRVQtRmR4SklzRFZKOXZMRnRLUUdMeEJDcUhYRk5tRWRWaHp0aTJCUlJ4SjFsZHRvTzRBdjhSb3Q1ZUpJRFpMTmJ5V3Q3SnJiaWNfV3g0YldJZjJ6NHBxUHpzM1ZmMUNYQzRBSl9OR0g4M0R4LTFCUXFfVUxZNklMLXVDT0tKdTJqa3JwNFBZMTh2SzlHek56OVhXVDFNb3RveV9OYWFibFpSMlBzNTBoa3dkQlloZW93?oc=5) · CUInsight
- 2025-10-15 [Ice Bears enter new partnership with UT Federal Credit Union - Knoxville Ice Bears](https://news.google.com/rss/articles/CBMilgFBVV95cUxORlRqY1p2bDRraEtJanlPQUNRVWk1NWlLb2pLd3FScFBVRFllV3FOQkpGNGhrSG5xVWswU0dwZzQ2WS1zTnBNa0FsTEJfRnhzTURCNG9GZHpnY0k1VzV3SVZrRVZJRjlTRHhtdzN5dzUtN2c4Z2JDZ19NSDAyMkdfRE5PRE0xRzFlRlJBMG55OGtZM0tyVGc?oc=5) · Knoxville Ice Bears
- 2026-04-17 [UT Federal Credit Union earns three prestigious Diamond Awards for marketing excellence - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxPZm5FNHROMDNkd1czcmNNeEp6b1pfVGJoUl9YY3VkSTROc05JbEltTGd3M1F3REFLcFZCRWJVNkV3ODNWUkUxLTJ0U29lWjlTOXpydFVfN3RxMVpyVk90eVlkUjM0VjNUY3dKS0JoYnJkaXBPRHVQWkZlQWZtT1A4QmpraGVic2FLd3JydkZFc3VVMG92eXVOQnRJRUF4M2d1dWJaX0E1akMtQTVTMXZ5d0tBSUZlSks3VU1iX0psMzBTOEdVSW9R?oc=5) · CUInsight
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2025-10-27 [KPD: Man charged after shooting incident in the Fort early Sunday morning - WBIR](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNR2Z6TUExTHZUSFRVaFZxd2RudnBpMVc3Rjh6cjRQNGZhSWdvWUxfeGhHa3M0S3RIYmVTekU3M19BQnd2NG5jNGlHTjQ0amhmc18ydUtzb25VTS15X3FwYjJEVzh0YWdSX21RQWxNRlNnUmE2MThGNTNoRVdTZkhmMmxNZUJKRXE1ZTNzMDBrWkFHR0VGV0J3bm5jYTdKMHZNMTZuWFdTX1RSenJEVFBQWHJBRFVwOU9pTUhRTS1ZR2pGWnFKVlNYVndsTHB3bTdwX1lCdXFCb1BweVNaRVhYM3Z0bw?oc=5) · WBIR
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19448 (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/56.json (key "19448", 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=19448
- 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