# FAMILY ADVANTAGE
Spring Hill, TN · NCUA charter 24603 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-advantage-24603

Who the members are: federal charter, community charter, organized 1997, low-income designated. 7,114 members of 22,547 potential (31.6% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 78.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $91.3M |
| Members | 7,114 (-4.5% YoY) |
| Full-time staff | 23 |
| Net worth | $8.4M |
| Net worth ratio | 9.2% (p13 of band) |
| ROA (annualized) | -0.61% (p5 of band) |
| Total delinquency | 0.86% (p66 of band) |
| Net charge-offs (annualized) | 3.75% (p100 of band) |
| Loans / shares | 45% (p23 of band) |
| Cash / assets | 50.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p59 of band) |
| Operating expense / assets | 4.18% (p71 of band) |
| Vehicles % of loans | 68% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 22% (p69 of band) |
| Vehicle delinquency | 0.44% (p44 of band) |
| Vehicle NCO | 3.46% (p98 of band) |
| Repossessed % of vehicle book | 0.14% (p88 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 14% |
| Average share balance | $6,828 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 78% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $6,822 |
| Loans granted, annualized | $6.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **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 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | net worth falling, members leaving |  |
| 2018-06 | 1 |  | net worth falling, members leaving |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 1 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising | charge-offs p90 |
| 2020-06 | 5 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 | members leaving, auto monoline | delinquency rising, net worth falling |
| 2021-03 | 3 |  | delinquency 2x band, charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 3 |  | members leaving |
| 2022-03 | 3 | net worth falling, charge-offs p90 | margin squeeze, delinquency 2x band |
| 2022-06 | 1 |  | net worth falling, charge-offs p90 |
| 2022-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 3 | members leaving | delinquency rising |
| 2023-03 | 3 | charge-offs p90 | delinquency 2x band |
| 2023-06 | 5 | delinquency 2x band, delinquency rising, assets shrinking | charge-offs p90 |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | members leaving, assets shrinking |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 2 |  | delinquency rising, net worth falling |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 5 | net worth falling, margin squeeze |  |
| 2025-03 | 5 | losing money | margin squeeze |
| 2025-06 | 7 | repo signal, loan book shrinking |  |
| 2025-09 | 8 | thin capital |  |
| 2025-12 | 8 | assets shrinking, members leaving | net worth falling, thin capital |
| 2026-03 | 6 |  | delinquency 2x band, repo signal |

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

- 2022-09-29 [Joshua Landtroop Obituary May 1, 2010 - Bills-McGaugh & Hamilton Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBYU29nZ2lPX0lWTGljdFZKaGRHMXFJZU9CendROEN2OUgyN093MXBfR09mMlBONS1qU2tadjI0WG9zRlJmRXJRQ3BoN1hHcWF5VVZBQlFTY0dHVjJHc3hXZTFMbTBKZHM?oc=5) · Bills-McGaugh & Hamilton Funeral Home & Crematory
- 2018-06-06 [Thompson named Amazing Teacher - columbiadailyherald.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPU0l5SU1PdGh6WC1VRl9IWEFqUUw3VV9Db3RqcnpPSU03UXpUVjdRRGpYbGFXb3llU080WXowd1h2N1VBMDF0TnJRdUlVb1Nrb2hOMlJia1FxYVZYRDM2WUJ0alk4VFdneWFvTzFueGlONjNDOC0ycVR0ZHI4ZTBCNzVjVHhqZ0pDekloNEtDNHE1QzRoaHN5ZUh3ejI3OEdBbU5SUXNKNUY0SUZaRnRudA?oc=5) · columbiadailyherald.com
- 2017-04-24 [Honored teacher is one of 11 children in the family - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQSDNqWDVOcnppOUNxYUVzb2N4eTNJdWoxUG1ld1ZaTlVZZFhDVFdtcm9yaXUwX3dYVjZzNnRSd01qSnR5eUkyNFdwaTh0cm05bzkxejFlaDFCa193bnhfT2ZESDBRYTdjM29ueHNkQVNaOVNPSWs2ekk5SXVqd3NmWXlFbGtIaTltS1BpbW9CT1ZNdnpfRXVJb3A5bFkybUFqd3E0?oc=5) · columbiadailyherald.com
- 2018-05-30 [Maxwell named Amazing Teacher - columbiadailyherald.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOazRWUzVfZ0EyVDlUTWFPR2ZuQ1FQZ285MUVxSE9ZTkRSQVU3VElkd01LQ3M0Vno3dnVwdWUxcnJPSGV0ajduQTgtanBpV1UtTFc4aGlwR25SSXNxOTdIM1N0MENSU0hRRmszaTNTLTUwXzJvZUZ5OVJ2RUV2aFo2TWNfUUJydHo4Z2QtMHdYS19EZkhaNUFoZWlhUTBhWnJRMkgzWThDOTJyd21oZG5R?oc=5) · columbiadailyherald.com
- 2016-12-25 [‘Amazing Teacher’ pursues her passion in fifth year at Agathos Classical School - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQLXFrZlI3MktidmgtV1JtM0piaFFOc3k1ZVJxMEIwM3hEdU42X3JVWEpfSTJ5bThGRHJ3M1FoN2FVaXctNlBBXy1RX3YzMEhGcjlEOE1kcEUtZktjenBsdFlRakxBQ1Bmamd6dVpseFVEUGp2UmZKSXN6cjczVzU5bnRBcVdLdk1iaW5WU216d2ZITmo3V2hRd2pEQ2V1SWQwUzk5WVBHZGUtQQ?oc=5) · columbiadailyherald.com
- 2017-09-07 [Columbia Academy teacher Lori Hill wins August honor - columbiadailyherald.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPMFFrRzRzT3pnMFk0c2V5TnVQd2FjMTE1ODhJTFpud3l3WlQyNDE4Rm5xVVRCWHFxdk5oSV9NRHJQdXcyMXBhSXRxZ2dfaEZsTGVVMUNlYnZoazRWZ2MyRkpuOXZxem9KeFd0czZhZnRHSXUwazNCWVhWUklmVWt1RmVCVDlwRUJWYzRWXzczbEp1aEJNYklpVk5XR1FHTkxZZHJZR0dKa19ySUxYc3lNZF9xWTJDZw?oc=5) · columbiadailyherald.com
- 2019-12-17 [Brandon Voss honored as Amazing Teacher - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWXl6Yzk0UXBtdFpZeTFZN2lJaWs3VWNSaEpjcjFYTUFOWFdfWGx1dTJMRzg1N2NCbHhYbEhXWkVZR0ltVlctdUVPU3Zqc3Rqc0xJUVpRWnZTd3A3Z091azVfazBKSl9lQWwxelhTdWEwSlU4d2hQVVFyQkE4cW45MkpwNXJWODRyQV9TZjZtY3pmOWt0VDdsQjJYeFhhRE5NLUk1dlJWM1Y2Zw?oc=5) · columbiadailyherald.com
- 2019-11-11 [Hog Hop n’ For Heroes takes veterans on tour - columbiadailyherald.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVU9DNHRmbFYwTVlnNjNtalo0WjFzUEI4OWhNVU40YkVOZ3FJR1hjM2FmN2VmNjBPR0QzN09rMktoQkVTV0pqSm1RWUNpc1cwaDVRRWdjZEx3dTJkMmkwVWdJX0YzeTJIVGNickNOMmdIbFRpNlRIYmJNc0NYdlJQZlRmVHdlUkcxUmNScGJNSWgxUQ?oc=5) · columbiadailyherald.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24603 (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/27.json (key "24603", 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=24603
- 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