# RESOURCE
Jackson, TN · NCUA charter 24575 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/resource-24575

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 3,970 members of 225,394 potential (1.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 41.

**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 | $55.9M |
| Members | 3,970 (-1.8% YoY) |
| Full-time staff | 11 |
| Net worth | $5.5M |
| Net worth ratio | 9.9% (p20 of band) |
| ROA (annualized) | 0.55% (p42 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.19% (p44 of band) |
| Loans / shares | 25% (p2 of band) |
| Cash / assets | 75.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p27 of band) |
| Operating expense / assets | 3.71% (p56 of band) |
| Vehicles % of loans | 68% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.57% (p50 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 11% |
| Average share balance | $6,575 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $7,602 |
| Loans granted, annualized | $6.9M |

## 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 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising | thin capital |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | members leaving |  |
| 2019-06 | 1 | delinquency rising | members leaving |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | auto monoline |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | thin capital, net worth falling |  |
| 2020-12 | 5 | margin squeeze, members leaving |  |
| 2021-03 | 4 |  | members leaving |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 4 | delinquency rising, members leaving |  |
| 2022-06 | 4 | net worth falling | delinquency rising |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 | assets shrinking | thin capital, delinquency rising |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 2 | delinquency rising | members leaving |
| 2025-03 | 3 | loan book shrinking |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising | loan book shrinking |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2025-10-23 [Local credit union awards $30K in community grants to three nonprofits - The Virgin Islands Daily News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPU3VOZXBFODM1dTZnZVVBUFM3ci1pNjFwYVM2ZUx3cXphZGY1WFpUQkRBN2VvUTZMNGhJdzJBTTJsa2pMUUdPUFd3YTFlR1RILTg1S1E1QUpnUlFwY3VibnpmamsxdTgwX1dYbjgzRk5aaDZ1MGpHOFdTYUV6cHFqRzRQcU9CMHJMeWl6SmlpR1lVRWdBTXdSWXhCWnNQVVZ4eGZZX0d5Y0VnZ2ZlSWlWS3g0bFA4akpxa0x0aXg2U2duRmpKRFgxN1NBSWZuMEVlbWxTNFF5T01rYUpWcDNocHdVVG1KZFc0SGVKZzZDb3RycHVZWWc?oc=5) · The Virgin Islands Daily News
- 2026-01-05 [Black Bartow Events to Host 5th Annual Black History Parade in Downtown Cartersville - Coosa Valley News](https://news.google.com/rss/articles/CBMivgFBVV95cUxQbjdyeDBvSWFIVEN6cjZLQzBZcXFpUDRHNnZpeGpIak44cVFNOFJyRjh4OFp1WF9WNTl5dFJLNWhONjRXWmhZalBkb1N4ZVctMkkxSzZOanhvNFlGZlJ5enZLeEtQa1BBT09zQU93WDBudnFxaHlFcDh2X2dhWURQWVc3cmxCc1hHeWtucVdrMzV0dW81cU51dGJudFpNb0lKZUJCekQ3eEtBSkItQm9mbzZ2cUF1Ymp2dFRmR3FB?oc=5) · Coosa Valley News
- 2024-02-13 [Earn up to 6.17% With 16 Regional CDs That Out-Pay the National Leaders - Investopedia](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNc2llekxGLWZjTkJSaWF1MDYyYTB4MHBCVWJwQnRsaUoyUVkwdDFBZnVMSUVxSmtEa3FwU00wTXozV2xkOXM4M045ck9qOUgwemh2UnlNSXBHNTJuTmQ4OXE4RTRiTzlRclZoRWdJVWNLNlMyZEdLaUJ6VFcySVg3S0E1S05KRGpoSG1hLUNyNUtCRFY4d255UmEwSWhiakJMTjVLemZLay1xUQ?oc=5) · Investopedia
- 2025-01-28 [The Economic Impact of Credit Unions - Oxford Economics](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdUduSkRieWdEdTZDTl8tLV9fa2VqTjU5V3IyU1JBRzBZSjFZNTNfdnZPR09lUWNZdmQ5c2oxNk54LTJVZU9zeXZ0aXJlOTVNcVhFMEw1TFMyOWd1OFI2TExUVlNKMG5NSnMwUTg4YURFVVF0V2hDN2hyNng3OGdDNjRlYUw?oc=5) · Oxford Economics
- 2025-03-21 [At UW Credit Union, employees — like members — can be themselves - Wisconsin State Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWEdsb21rNU9xYmQ1cmllLVNHVTJMLXQzWFFTMENORU5VMUt1Skd5bWN3bEN2ZzhOZ0libG8teTFOTXkyMDVfbGgyTm1Hd2xOWUxHb3BTb3h4Zy02bFV6SVZjdTVwLWdOc29IcC1uejNiY0phcUlSTG5Wc0EtNy1GVlU2OFNnVm05THlfU3hIZ0RHLWRxS2N5RUV3?oc=5) · Wisconsin State Journal
- 2023-11-01 [National training center to support Isaiah 117 House growth - WJHL](https://news.google.com/rss/articles/CBMilwFBVV95cUxPQkVQTFd0bTVlQjFMM3lhZzFIOUJpc0dKMkxEYmxXYW9BdkpDdWVvS2FLUDU1X0MxM1U5NW5hak9lenNCVkZwV3RkVUY1MWpqY1BzWVp2REhFWVZGU1VvbEc1ZTFzYWJNUGtMNWwyaU9Ma1VjTGpTWnUydDNiMU9ndzlyX2IwOW9ZNnRYczhwdTMxdjRPQnZB0gGcAUFVX3lxTE40MXpma2pnMlVWZEUwYlNRUXFtWlBGRVRQRG90STZyUHdsMjNkUGY5LU5yUlRaczZJcW1jSVRTS0hMVkxCb0xOQy1pTWVkMVFOM2E2ZWZkQXNDOWZYZW9wS3dEQ0dvZ2lmQko2XzZrekJLSHNCeDNXV1k3YW81MDk1M2R3bjY3WnVjc2NISDZzQmU0S0xwQ19GdENhcA?oc=5) · WJHL
- 2023-11-17 [David Herman Lovelace Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBDV0syZkswSE9jSUJpYnRkYThqQ3ktb2xzRkdVNS01VHpyMTlPYXdnNnd3SXpYYVJjWlM5dS1RbG1mWjlBY1NrZEo3UHhVVVhhYUZsTEIwdjI?oc=5) · Knoxville News Sentinel
- 2025-07-24 [Isaiah 117 House Eastman Credit Union training center officially opens - Elizabethton Star](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPZ2hydWlLRll4MHJMY1ZqOG5HVl9YTVJueUY5aHNZWllEWkpIdzNwV0JBaEpkT3BXNnl3QW9tdGpTYjAtdnBYUDN2bHRpX0dwSklVbUV0R01lWWZIR25OcXhyQWZNMkJVNjdLSHBmSkxWLW5pOWJfRnE5UGNseVZTVHZWVG96MUphUTFVNXlGR21HdGhRWTNwY01aTVpaTTV3aDZQSGdEYlBLcTQ?oc=5) · Elizabethton Star

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24575 (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/63.json (key "24575", 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=24575
- 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