# MIDDLE TENNESSEE
COOKEVILLE, TN · NCUA charter 19700 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/middle-tennessee-19700

Who the members are: federal charter, community charter, organized 1969, low-income designated. 5,516 members of 14,214 potential (38.8% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 155.

**Verdict on the desk:** this could be *auto monoline*. 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 | $70.6M |
| Members | 5,516 (-0.3% YoY) |
| Full-time staff | 7 |
| Net worth | $11.6M |
| Net worth ratio | 16.5% (p79 of band) |
| ROA (annualized) | 1.91% (p94 of band) |
| Total delinquency | 0.52% (p44 of band) |
| Net charge-offs (annualized) | 0.94% (p88 of band) |
| Loans / shares | 62% (p52 of band) |
| Cash / assets | 43.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.97% (p67 of band) |
| Operating expense / assets | 2.56% (p17 of band) |
| Vehicles % of loans | 66% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p63 of band) |
| Vehicle delinquency | 0.38% (p39 of band) |
| Vehicle NCO | 1.64% (p91 of band) |
| Repossessed % of vehicle book | 0.03% (p78 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $5,990 |
| Participations bought / yr | $2.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 155% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $4,231 |
| Loans granted, annualized | $12.3M |

## Participation posture (from the same filings)

Bought $2.8M and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (10.5% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -0.5% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | auto monoline |  |
| 2017-09 | 1 | delinquency rising | auto monoline |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | delinquency rising, net worth falling |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 3 | net worth falling, delinquency 2x band | delinquency rising |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | margin squeeze |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency rising, auto monoline |  |
| 2023-03 | 2 | charge-offs p90 | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency rising | charge-offs p90 |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 | delinquency rising | charge-offs p90 |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 1 |  | delinquency rising, charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-19 [Redstone Federal Credit Union to award $750K in grants to Middle Tennessee nonprofits - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOWXFMV19raFBaNmdpWGt4UGJTNktuZE96SkYyTXk0MGw2bUpDd1ViTTRvbFJHUE8xQ1Q2MzhrZHZmZjdZdFR3MlROcVpZLWNIRk1SLVhCSGdXX2JoN1JtU1VKRU0zR1laZWpjUl8tV0hQWlVvOXRIRXhIZE1VZ0g1a2tiYzJrLW0wZ0RiQUl0N0NMaFdtYVI3MHYxbWttdWdRSVJSMjJNQjBfNS01WHZKajU4LVN4SXpWY0x0TXFScHlQSWVHR2sxUDI4alF5TGJfLUpkbE5uOHNxcWw0NDBPS3ZzQmo?oc=5) · News Channel 5 Nashville
- 2026-01-20 [Ascend Federal Credit Union donates $55,000 and over 13,000 food items to Second Harvest Food Bank of Middle Tennessee - CUInsight](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPb0RzNTBPQ1FJVmtYRVJ0eE5qZGpEQUZTakVJRk9OQkhERkZEMUdWYW5DREJDX3NoRUtRT3hua283MklJWTRQMExzTkpGZy1FYTZzRmRsVVlkcFZxMzFNVm5KWUtaLS01Tk9Tc1cwMllpSHRkbDRVSU1SbG1fWU0xWEJpVFJGN1A0YWRfOXBNU3JDZUxWX1lTX09Ba3FUUUNDVVozampTaHRMdjE2OXFKRDZLZ2NDUkFwSkd4V2J6RXpCMTBNcUszajdTalljdjA4cUFBNllWV2FNM1pCb0JWNl8wT2RlSndhdElHQQ?oc=5) · CUInsight
- 2026-06-16 [Armed robbery suspect tied to two Middle Tennessee heists captured after manhunt - WSMV](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSHZmYU5Ub1pIU21ZaHY1T1VuVzQzRkJCMnE0N2FsY191TU94a2kzaGJ3LW9PdHJ5RjN6UTJXSkFyVFJaNEptUFJvczdjZ3FZLXZaVGZESmtpM0JkY2E5UXdOV21ONU9OQXFFazNHOFlFY25TRU42UGFkVDZ0dGlwV0ZjYllnd3Y1NlFQVnI5V09sczVPZldNaXJ2ZXd6bWwyT2VGSjkyZXBSR2dvY2lR?oc=5) · WSMV
- 2026-07-20 [Middle Tennessee Tattoo Expo - Nashville Lifestyles](https://news.google.com/rss/articles/CBMid0FVX3lxTE1CM1pTTW5NN05UTWowWFRTLVdzZzlLMFJhaGllR2NRVW5PdlZRWE1yWkgyXzBmbWZUS1VLbkVEcmYzUWxHc2ZwUVRLSncxQUNqOXo3Vk9oQTgzaEduZG10bDRNMGd3VXB4UkxtUzNTVTJOLWdkSkNr?oc=5) · Nashville Lifestyles
- 2026-04-08 [Murfreesboro police investigating after suspects allegedly assault guard during armed credit union robbery - WKRN News 2](https://news.google.com/rss/articles/CBMioAFBVV95cUxPbm9PVVVMUmVUZE9ZWlhSdmRVZlNzYUlubGpSS3pxMk5mVl91Vm03ZXY5VkM5ZHZqTEVUZmI2UFJDZUx4V1hMM0xTa3A3MGJOZy00ZE1WTUx4YmdNMEFFNlhQSVNwY05IaDU0LWxoV0h5X3p4aDNVZy1TQ0E0cHJpOWFEM3hfelVDR242YUYtdVZoQ3U3Y1QwSldDdUFseEh00gGmAUFVX3lxTFBvVktiTjEwXzdXVjBKRzdab0tXcXRQc0c1V082a0ZMZUJEX1F3Z2dhSDlXcHJsSFhyek42YkNkSGZ5bEhwYkVQdi1RVVVlT0gybWpON3hpZTg5eVpJRDBTRVVwdmhnTjF6TTFtdzNKNWxiekRzU19va1hBMDdBNUhoOTFQcm8ySF9lcG51N3lzckNSelVIVEIwN3NlZzhaNU5MMktQaFE?oc=5) · WKRN News 2
- 2026-08-21 [John Younger Obituary - Nashville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPWkhfVGpMbGpOS3hOMk5MMlIxWllTMkZONzBScXNnSDdCc2JSOGwyeW8tcktBVjRHU2tyS3daYWc3c253WmY1SXhISTZCN0dRWTd6Zm5ybllyeWw5NmROcFJ4X3VhdF95a2QydnhrbFY5dFp2UGxOTTY3VzFHUzBoT2VTOA?oc=5) · Dignity Memorial
- 2026-04-07 [Ascend Federal Credit Union named to Newsweek’s America’s Best Regional Banks and Credit Unions 2026 - CUInsight](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOY2VKQ1hYRG5TZGtraGttMjF3Yl9vQ2lzckxka0FhMnhwajZONF9ReDA2amVpdmhJLTltTnF5bnVvaXJrMUtoZzNHb29DR3BBNmFleHBlMWJua0ZwSUhXUFJRdVZDY0VZVTc1aVQxZ090Qy1EVURvdTk2R29pZlJxeW9GNVdsMGhZMlRYZndna2R5SlVDdkFTWm50bkFqUm9ZeG1QUXhPeGZwTVloTFliTzRrWXpUTnpIaHRjcXNxaWIta3NDZ3BUb1dsb3BHMGRYa251NFV3?oc=5) · CUInsight
- 2026-07-13 [Planes, Trains, Automobiles. Wilson County free transit breakfast set - The Tennessean](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTEFST2tDdFJhazJyb3o1WVhxaGQ3NHdtQ3dra1dBT3NwSjlhMXNUNENLVm5iOF9HTW5pM0xqdjdkVDJNVzM5bnM5SDlZdXB2T0tyTFlBRVZEeVd4Y1JBd1VqTVZiZ0daQndIc000WGdKemhZdktSaXc2d3BPcDFtaTZTQ0pHay1sWkhtYXlnNF85MFhoX0hublVUU3FNUW1CdUktbFkwaElTX251WnlHbG9uNA?oc=5) · The Tennessean

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19700 (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/52.json (key "19700", 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=19700
- 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