# KNOXVILLE TEACHERS
KNOXVILLE, TN · NCUA charter 24464 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/knoxville-teachers-24464

Who the members are: federal charter, multiple common bond, organized 1934. 6,618 members of 31,195 potential (21.2% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *ordinary*. 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 | $256.1M |
| Members | 6,618 (-1.0% YoY) |
| Full-time staff | 33 |
| Net worth | $27.5M |
| Net worth ratio | 10.7% (p43 of band) |
| ROA (annualized) | 0.56% (p39 of band) |
| Total delinquency | 0.99% (p79 of band) |
| Net charge-offs (annualized) | 0.04% (p7 of band) |
| Loans / shares | 87% (p82 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.50% (p5 of band) |
| Operating expense / assets | 1.89% (p3 of band) |
| Vehicles % of loans | 11% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.55% (p49 of band) |
| Vehicle NCO | 0.11% (p14 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 81% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 13% |
| Average share balance | $16,602 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $43,329 |
| Loans granted, annualized | $86.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 2 | members leaving | delinquency 2x band |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | delinquency rising, repo signal |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 | delinquency rising | repo signal |
| 2022-12 | 1 |  |  |
| 2023-03 | 5 | net worth falling, losing money, margin squeeze, assets shrinking |  |
| 2023-06 | 3 |  | net worth falling, margin squeeze |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling, delinquency rising | assets shrinking |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 | delinquency rising | net worth falling |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 2 | net worth falling | delinquency rising |
| 2025-09 | 1 | delinquency rising | delinquency 2x band, net worth falling |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 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
- 2023-10-31 [Martha Frances Karnes Wallace Obituary Oct 31, 2023 - Mynatt Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5td2NyNE53cl9HenlOaE1pMno3RUtnQm12Yi1DWHZ0OVFJcGFncTUxU1U5S2xtZW95aENEVDE3SFhxU2o1MTJmcGgxUW9sR3hFdWVPRWNXelhxYV9jZ3NR?oc=5) · Mynatt Funeral Home
- 2020-10-26 [Martha McNabb Obituary - Knoxville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRXVJeGxfVHBDaVJzN2xTNTEyN01CTEI2aEhwMmlVTXhaa2FKdklpdXBzbUlhNUtRbVg0bnkzTlJDX3pvOVVhV0pVZHJ2bHpWd0JQdzByS1pFVGNZR1RaZ0JzLW9UZXFEdW9IU294TFhuaFE1eERXeC1OMmRuaGVKYVA0RQ?oc=5) · Dignity Memorial
- 2024-09-18 [Christi Darleen Moore Kirk Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiW0FVX3lxTE92c0VvQlJ4NGlhZW5XV3JYR0Z4SjdsRzJ3Ulk3R1RPWV96T2p2SllFcUROcDFQSmQ0djV1elBiWU53UXpmVkh0ZGNZVmdBb1hTVHF0cHNzS19HMWs?oc=5) · Knoxville News Sentinel
- 2025-05-30 [E. Paul Bean Obituary (2025) - Knoxville, TN - Gentry Griffey Funeral Chapel - Knoxville - legacy.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9WMkZHa2ZiQTk5ZllLVnRPczJXWGZXQjNWejFheENvbnAtejRnLVVfZzVIQV9rVThZNE14QWk0N2hYakhOX3hYbTBRSzY5OVE0MzlfNkdNTDU4X2FvWlhFVWduNm9RZVBBM0hZZFZNcnhBRVRzRDBYag?oc=5) · legacy.com
- 2013-05-05 [Jimmie Thacker Jr. - The Sumter Item](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1FRWt1cFR2SWdYMjludmpyS1ctT0JxeVBuNlFPMi12NFhzSWFHZjR6cS12MXFwaWJuSDYtYkNvMlJLSUZOcjRYcWk0cDZ0cGowb3pmN0pGclp1Z3RYODdv?oc=5) · The Sumter Item
- 2021-09-29 [Kristi Walker Obituary (2006) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQ3JqRFdDcWZvV3JNXzVpYWtERVJ5RmtHYU1wallaeTNvWEFOdk80QmhKOUlvRnZjS2tHVlVzNU9nbE1xMDg0SkJQX1BTQVpHVlhObUtDclpkR0ctSDcybTRIYTB6a0w5Y3hJTnNSZk1NekY4c2NNNllFbXFFZjBMTFZUVGZ3T1BxLWlLR2l3?oc=5) · legacy.com
- 2017-05-02 [Public records: May - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMimgFBVV95cUxQV0N0MV9vRkttTlBMUmliN1pxa1Z5WnZWQ3RweWQ3bzJIQzFYSWdINXdJdEtYWGJCdlgtdHJzVExWaGZFdmZCU0ptcEtjWEhFR0JHUDB2QmNRODV2ZC1SZHBENWZ3WXhzQWNXT0tOLWRMZV9tZi1HSW1lMU5yZm9wVjloeVpsQVlnVW9pU0FJa0dxUXIyTWNLQmN3?oc=5) · Knoxville News Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24464 (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/16.json (key "24464", 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=24464
- 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