# APPALACHIAN COMMUNITY
Kingsport, TN · NCUA charter 24495 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/appalachian-community-24495

Who the members are: federal charter, community charter, organized 1993, low-income designated. 12,381 members of 345,000 potential (3.6% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $183.7M |
| Members | 12,381 (0.8% YoY) |
| Full-time staff | 50 |
| Net worth | $19.7M |
| Net worth ratio | 10.7% (p37 of band) |
| ROA (annualized) | 0.55% (p40 of band) |
| Total delinquency | 0.08% (p6 of band) |
| Net charge-offs (annualized) | 0.26% (p40 of band) |
| Loans / shares | 92% (p93 of band) |
| Cash / assets | 13.2% |
| Borrowings / assets | 0.93% |
| Net interest margin | 3.56% (p43 of band) |
| Operating expense / assets | 4.31% (p72 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 44% (p54 of band) |
| Vehicle delinquency | 0.02% (p6 of band) |
| Vehicle NCO | 1.01% (p74 of band) |
| Repossessed % of vehicle book | 0.37% (p93 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 42% |
| Average share balance | $6,737 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $121,958 |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $23,344 |
| Loans granted, annualized | $19.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $121,958 outstanding purchased (0.6% of net worth), $169,501 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, charge-offs p90, repo signal |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | thin capital, charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 4 | thin capital, delinquency 2x band, charge-offs p90 |  |
| 2019-03 | 7 | net worth falling, losing money, delinquency rising |  |
| 2019-06 | 7 | assets shrinking | delinquency rising |
| 2019-09 | 7 | members leaving, loan book shrinking | net worth falling, losing money |
| 2019-12 | 6 | expense trap | repo signal, delinquency 2x band |
| 2020-03 | 7 | losing money |  |
| 2020-06 | 8 | delinquency 2x band |  |
| 2020-09 | 8 | delinquency rising | charge-offs p90 |
| 2020-12 | 8 | margin squeeze, charge-offs p90 | loan book shrinking, delinquency rising |
| 2021-03 | 5 |  | delinquency 2x band, margin squeeze, charge-offs p90 |
| 2021-06 | 4 |  | losing money |
| 2021-09 | 3 |  | assets shrinking |
| 2021-12 | 5 | delinquency 2x band, assets shrinking |  |
| 2022-03 | 3 |  | thin capital, delinquency 2x band |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | loans>95% of shares | assets shrinking |
| 2023-03 | 0 |  | members leaving, expense trap, loans>95% of shares |
| 2023-06 | 1 | loans>95% of shares |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | repo signal |  |
| 2024-03 | 3 | net worth falling, assets shrinking | repo signal |
| 2024-06 | 1 |  | net worth falling, assets shrinking |
| 2024-09 | 3 | delinquency rising, repo signal |  |
| 2024-12 | 3 | net worth falling | repo signal |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | loans>95% of shares |
| 2026-03 | 0 |  |  |

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

- 2026-05-28 [Miles Snider joins Appalachian Community Federal Credit Union team - Kingsport Times News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUnp4NzhycDBVaHdlaXhpazJyR2NuME9WSzVQT0M2X3QyekhXV0V4YW4zNDBuSDlMd1AyWkpCclhURFdoYjV3ODZieTVmMjFxcy1BcXdGSTlJelFaYkRIRXI5Mzd3YnUwYzRWeld5NFpBVFNsUTVCRVBmVFBib2tsek14NVQ5N2FpV3E4WVZOVmJnUTlhTnlwemlSZ1otSzJLcWY4?oc=5) · Kingsport Times News
- 2025-12-31 [Appalachian Community Federal Ransomware Exposes Social Security Numbers - Claim Depot](https://news.google.com/rss/articles/CBMijwFBVV95cUxPbHh3Mm9oeDlMdkxfOTh1VGdyRVdwcHRVSHVGS2xuWmFmMDdTUWd2VmR2dDdkX29hVlNOXzVmREhyVWZ2OVBKTzA1ZHJ0RDhnZ2pRTTg3LXg2OU5XbEpJajNZcUNGUkQ4WmgtNjN0SFRMcDQ1V2F4c2JxRmZqWnJrRVVObFdoSHhBS2xPaW9Dbw?oc=5) · Claim Depot
- 2026-01-30 [Appalachian Community Federal Credit Union announces CEO's retirement - Kingsport Times News](https://news.google.com/rss/articles/CBMipgFBVV95cUxNcnkxamFiM2lWblV5S3FnY0pmR0FOSDhydi1wYXJOSFZrREcwS1g3VXloaVJJZ0JPTG5wd01wSkVGakdwYmVVdDRrZjVqZG1OaXgtWDdWQk5aRGRoTTBxakdNenJqb2FDN3YycmhXR1VIeDVPRURxTXJPOGRhTFlUMW5CaWJKSmJidEdRd0p0YjVMeUpZMExxdnI4MFA4NTJqX280NXZn?oc=5) · Kingsport Times News
- 2025-05-15 [ACFCU celebrates new branch in Church Hill - The Rogersville Review](https://news.google.com/rss/articles/CBMimwFBVV95cUxNcEtPZF81OHg1NXlWUnpIVU85VFFTazd6V2dzWnpUNnZkWVhJRkl0dUJUOVdzb0phclRoUHlnWGVzeFY3OHVobl94YTJrWWh0MndRWGpKWTdTOUxEdFJSX1RrUnpUejFlbVhJblRaSnM1Zno0OW9ZM2J4Mjh5Y1Z3OFJVUHJlNlhCN1hEM0tKWUhRRFFQRTQ3TndJMA?oc=5) · The Rogersville Review
- 2026-06-11 [United Way of Greater Kingsport to hold 34th Week of Caring - Kingsport Times News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWFpkV21lVmNQaG45QTc2Uzg4bEdUS1dObmRzLWphSVhBSDVaRGExdE04OWVJNDY5cVptVHJJME5VdEdNUVliRnZ3M2JnVXFsYzZ4SFNic0RYV204ekphVUpRcENFTVdoR0cydlBXaEZQdnRSek9fbmhLeS1PTEd6RGxuVnpVYTU3cjQwZGNCQndycGc4RHdSWV9R?oc=5) · Kingsport Times News
- 2017-08-10 [DC Fitness to reopen Gray gym, honor contracts after sudden closing of Cor24 - WJHL](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSEtxd2tlSEZNTEtLaE0tS2NmUDdsRjdwaVVTdTRNTTdnSXFoVjIzQ29nT0hBSE1hWFVMaGVkOEZxdE5kT19ZVEZpR1R6a0hxbGZ6TXVBSk51MjhrZ2hfNkJGc01JN3lTYUhvSUk2TjZuaVMxRkJnQlppMENLdWl4cEpoY21LODVCV196bVppTUZwMlZUQ0h4UDJpRUhpNWlvbGxxb9IBqgFBVV95cUxOaFIyREQ1R293cDFrX29TYXFoclItYzFhVkVIZ1RhdE1HeENxTHdWVjBwclBNdk92Y09td3NfcU5QLUlWS3lTQ3VrcFhHdzVzNEZFYkhEV18wWUFQVlpIVWNpREtiX19uOUVvTVpiRk80bU9FVFdOQ0tDb0hIa3R0VzJ1a2ZQUEpRQ19pak1RTnhzWFlUcWRRZ296XzhjcXllTVBPOEpaNVN4dw?oc=5) · WJHL
- 2010-02-13 [Perry Long Obituary Feb 13, 2010 - Hamlett-Dobson Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1kS0VBS1dIeGNjNXhqQzBGMjlBSUhydzk3TW54RUloa0R5VTJFTHZOQWNycU5CN3RzbXZhbTNkbEw1d1NsSGJzNHE2WEhUZHhrOU93enhFSHM1N3FMTGMtTw?oc=5) · Hamlett-Dobson Funeral Homes
- 2024-01-10 [HBDC presents CO.STARTERS program for entrepreneurs - The Rogersville Review](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZFVEY3BfMU1hVzVXMU9GN1VLenF1ZWhwUGJuWkwyYVAwcGJ0WkRISWNCaEV6UURxUVdyZFc5ZHEta2ltUHh1d0NoajZkV0RIeUhEc2psbUYwTVM2VHdudFZhX0ZjX3dKZEtWYzNNaGtmVTFCaEg2NW83T2N4eU15ZWhfeHIzc3RWTC0yMU5BWTlVbmJycTQ1Zk5meUpadUt4LThsX0pWLUxiUTZmTmlJ?oc=5) · The Rogersville Review

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24495 (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/47.json (key "24495", 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=24495
- 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