# SEVIER COUNTY SCHOOLS
SEVIERVILLE, TN · NCUA charter 23060 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sevier-county-schools-23060

Who the members are: federal charter, educational (single sponsor), organized 1978, low-income designated. 1,383 members of 2,500 potential (55.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.1M |
| Members | 1,383 (0.6% YoY) |
| Full-time staff | 1 |
| Net worth | $2.9M |
| Net worth ratio | 20.8% (p77 of band) |
| ROA (annualized) | 2.23% (p95 of band) |
| Total delinquency | 0.09% (p24 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 59.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p46 of band) |
| Operating expense / assets | 1.66% (p7 of band) |
| Vehicles % of loans | 93% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 12% |
| Average share balance | $6,017 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $14,558 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 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 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 1 |  | net worth falling, delinquency rising |
| 2019-12 | 3 | delinquency rising, loan book shrinking |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 3 | margin squeeze | delinquency rising, loan book shrinking |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | net worth falling | margin squeeze, delinquency rising |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 1 |  | net worth falling, delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | net worth falling | delinquency rising |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 | margin squeeze | net worth falling |
| 2025-09 | 2 | loan book shrinking | margin squeeze |
| 2025-12 | 1 |  | loan book shrinking |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

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

- 2026-02-02 [List: Schools, businesses closed on Tuesday, Feb. 3 - WBIR](https://news.google.com/rss/articles/CBMizgFBVV95cUxPeXR5SUlUR3c5dC1PMDlOVVI5ck94QzhuT3JmX3U2ZVFaMlR0SGVoclFsLTFPMzNaM19yVFh1dVBPRlYxQWN0UlBSal9kMlF2c21JT2ZTMWpaUm5CNEstaUgzaE9qRGU2cDdzVUpfOXZ0YkxyUWpMcU1mNEtMQkRJaDlaaldxSnpQUUhtTU94Vkx2ZUZ0S1UyWkZweWZyYUVHdnRwRHhVWjNLU1ZmeFJSYzVOeWd0Q2x0VWxseW5WaE4wSEIzNEtCaWFUaXBFQQ?oc=5) · WBIR
- 2024-05-14 [Tom Underwood: A life in education, with jokes - Knox TN Today](https://news.google.com/rss/articles/CBMifkFVX3lxTE5kelNoSllkRVpmbXYwQzhyZWd0Z3pOYURMRHp5VGhKWjlDdERqcEJ3SzF4VU9hdl9ITHB5Y3JVRkZKT3AyZ2MyTDhFWVdGdmlQQmtHR2JWa1AzSVVsQWs0UDNsbjBQaUhfMEwtR2xTWUkzWlRQZFVhVHVRLUpYdw?oc=5) · Knox TN Today
- 2026-02-04 [List: Schools closed or delayed on Thursday, Feb. 5 - WBIR](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOcGFIUlF1SFhZTEQ1Q0ljU0R6al92bmRSeEhFNUxrMjc5LW1zQ2F0Y24zckdCcTdMQ0kzZlhCalExVWtySGZIVVNhbVJ3a2pHWEJ2Z2xUaWJrdkd1X3M3Y25pZW1ORDdZX2Jmd0NLaGljUGw4M2dFZ0Vpd3drMjZiOU5mUU9xbXpWWUpVT1plVFp6MlJlUnVjU2ZnNzJWMTlMSll2ZTZQU0dOS0RjdjBCSVpmZDFGUTVoelkyWWtRSllxeHNKalFaSHZkUDR0clI0c1liT3dHYTZIZGVZLUE?oc=5) · WBIR
- 2025-02-18 [LIST: Here are the schools and organizations in East TN and KY that will close Wednesday, including Knox County Schools - WBIR](https://news.google.com/rss/articles/CBMivwFBVV95cUxQSTVidjVEV3dtejRGVlJNWWM5dWc0ZDhRS2VRX2x6UTkzMmVkZ0FBb3BuWDE0cnJNR2FwRnNoTnN3T1NmX1EzZ3dwSjJsdXNhUVd2aHVVYTN5dUJybE1GQ2dWT21wMVUzM2E2ei1fMUo5QWZiYXpnclBCbU9McTUwcV9TRTgwT0E0Rnhwd3RNSHh6SWhhazN0WC00MzlScXNHQ29zX3BtcE5WbThHdzJGQ1pZNmtZcl9DRXFyWndVVQ?oc=5) · WBIR
- 2025-02-20 [Latest school closings in East Tennessee and East Kentucky - WBIR](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPVFZXdlhPcmE4UDJ0WWtKZ2FMTHZrbXhqVzJUYXhQVTgzYS1ScklvcFp3ai1HeHBZR3kxdllaZ1ZxTjhjeGpZUmV0cUoyRXZVdkpwS2tMLWZyOVJnTUFzdE01NEhpR0d6MkhFZ2p1LU1nd2tiRUlvZnBycGFSSXJNcEN3Ukx6amptcTQyWkRTalhacjFEZ1Y5WHJpbjUwR2laT1pldGFDX1VaRmhkQzVWNkRjaXVwRG9XU2VZMTVwYlVWTW1idDBEdWNab0pqOHh0cDlLbFdwd2Uyc1E?oc=5) · WBIR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23060 (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/20.json (key "23060", 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=23060
- 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