# I TRUST
MEMPHIS, TN · NCUA charter 20722 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/i-trust-20722

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 3,080 members of 9,240 potential (33.3% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $22.2M |
| Members | 3,080 (-2.6% YoY) |
| Full-time staff | 11 |
| Net worth | $2.3M |
| Net worth ratio | 10.5% (p29 of band) |
| ROA (annualized) | 0.49% (p56 of band) |
| Total delinquency | 0.27% (p27 of band) |
| Net charge-offs (annualized) | 0.79% (p78 of band) |
| Loans / shares | 40% (p20 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 3.20% |
| Net interest margin | 4.00% (p75 of band) |
| Operating expense / assets | 4.53% (p76 of band) |
| Vehicles % of loans | 75% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.24% (p37 of band) |
| Vehicle NCO | 0.67% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 14% |
| Average share balance | $4,069 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 79% |
| Average loan balance | $4,092 |
| Loans granted, annualized | $5.8M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 | expense trap | losing money |
| 2016-09 | 1 |  | expense trap |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |

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

- 2026-05-20 [Vickey Barnes Broyles Obituary - 05/20/2026 - Dillow-Taylor Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1OT0Y4YUg5Tl9PX3RJRHh2WFFGYlF1VmlyVFJOazdGaVZIdVFkdTh5YnFNTE5jN2VwR0JEMUFmN2pqTG8xNGRIcmlPWEFINkNkLXBUc3BJVnk?oc=5) · Dillow-Taylor Funeral Home
- 2025-10-07 [Best of Show Winner Eko Brings One-Stop Investments Shop to Brooklyn Coop FCU - Finovate](https://news.google.com/rss/articles/CBMioAFBVV95cUxNMGlNUTdaNkZ6Tzl0VjJSZkozREE3RVVwTG1ZSm90VklsOFRMbWlQN0dlLVlNZWY1Sm04THBROFNzM3BldHdwS0tkR2dBSERqRGVGcXlJeldLVjM5b0doSTVXM1hDVE1qajhBQ3RKTXdiMXZZN2dUZ01LR0FqTUpLeElhZnRNMTZvY3FtR3laMFo3T2RaQUxFZXVQbzR4U1E2?oc=5) · Finovate
- 2025-11-19 [Altonized Community Federal Credit Union Female Athlete Of The Month: Southwestern Senior Josie Hagen Excels in Multiple Sports - RiverBender.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQVWlvUjRxTS1mYkVucU9MRjc4NjB1NktpVXdSSzZ1UEtKaWdWblhzSnBubHh6S0kxZHBDdmRCc1V1VFRCNkV4cHJyMzZKcnFYOFFZSzgwQTJwN0FQYl91M29CQThFcW5kMVN5LWhXbDdKT1N4clJiMTRsMGJhc0dCNC1QQ0lYOXFHS25USFZFRHNBUGVRNW9JM3NYcUhqMkJ3YWFHdGx4amhTN3E4azlXdV9OMXFWaHNKNlJBVWRhN09YRmRtM1ZnT2FObXFYZXh3cGtkeTl2bFNPSGwyeEo2U3IzZkQ0OWozYW5GNlAzSXM5RmJVX3JpeGkwU0I3R1ZIYnI1dkVJeWI?oc=5) · RiverBender.com
- 2022-03-15 [JACK WHITE ANNOUNCES SPECIAL GUESTS FOR THE SUPPLY CHAIN ISSUES TOUR - Third Man Records](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUW1NLUp6ejlfYzdBQVVpNXJ6M0F6TDB2c1NpbHRGYjY4cXc0Uk0zYTBERmYwSjE2WXB2Rkg1RDEwdHQwYkFzeUo2Ui1pdXZPSWJFZGl5SXhwSHNOa0ZSWm03aFJJNGN2S2U0UmZJMFJpVm1EOGw3MGJKcTF1R1k1UTV5NnRBcWFtb3QwZ1BILVlOWV92WlhSTl9jT3NCS3htLW9EakVTNHMzcW8?oc=5) · Third Man Records
- 2021-10-15 [Former TVA Credit Union Building to Become Hotel, Restaurants - Inside of Knoxville](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZW9jVWZEX29Fdkw3aEgyalFheDFjRmFnWUtSdl8yUkJ5cWM3LTAxVVJGN0l3a2huNU44QmVLNFdHNTJ2YkQ5aWtMeFg5Y2xuSXVwRzlkTTZnbGJDUXVOVXFQN1NtTmJnWl9pZkJTcWJiQzAtMmxEcjM3SWFiamF5QzdPY2V1SFVNeHpRWHpOanZfZmU5RjNvTXNja0MzRFpR?oc=5) · Inside of Knoxville
- 2025-02-11 [Men I Trust Announce Two New Albums, North American Summer Tour - Exclaim!](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdkx4alRVeFBRdF9PbEJRTTlSbWFrVXpaUFBza0RsLXJQTmdORFhnTVB0NWxKRTVSRFU2QUx3RnhNSzRKckJ0MHpjZUdWYVFPSDRuOXB3SzU5bFZadjRQRFdCb09WNEVtT1l4ZkRRd1pTb0VDbFdpTVZkbXlaQ3hOY2pQcUx0U1dVeGYwbDF0U2hjWnB4dmR5S1Z1QQ?oc=5) · Exclaim!
- 2025-03-19 [Listen to Men I Trust's new album 'Equus Asinus' - BrooklynVegan](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOEVwTE9IbXZXcEV0WGJIeHJ6TzBBNzEwQWNiOGNaeElUUWhaS2NkbWNnVlpHWXBZWTdzaGR6dUxvRDgwQmNOZDhDc2xhNDJaNHBSLV94b2tzMVc5TEh4WjJ2bVRTZTlLSl9vZVFzWDRyVUluTnZUNVNLeU1sQ3lrYkt3?oc=5) · BrooklynVegan
- 2021-03-22 [Khruangbin Announces Additional 2022 North American ‘Space Walk Tour’ Dates - Live For Live Music](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMUQ2akY0NXpIX09wc1BsaC03Yk82Z2J1T0xzcGFZdVhUV0x2OTFZWU5HLUI3QllFdWxXTk9xY0xIQ2pvYnBmbTRpV0JWeEZTWEpNQndaUlBNMFR6WXM0Nk1GZDhIRVFiLW5zSllReVFCTWFaTWVLMXQ0U3RyOXRBYVBMZ19uaVZ2dGhlZ3B3?oc=5) · Live For Live Music

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20722 (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/50.json (key "20722", 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=20722
- 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