# UNITED SOUTHEAST
Bristol, TN · NCUA charter 4714 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-southeast-4714

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated. 23,504 members of 581,614 potential (4.0% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $256.0M |
| Members | 23,504 (5.1% YoY) |
| Full-time staff | 56 |
| Net worth | $34.3M |
| Net worth ratio | 13.4% (p76 of band) |
| ROA (annualized) | 0.63% (p45 of band) |
| Total delinquency | 0.26% (p18 of band) |
| Net charge-offs (annualized) | 0.76% (p81 of band) |
| Loans / shares | 72% (p45 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p50 of band) |
| Operating expense / assets | 3.68% (p49 of band) |
| Vehicles % of loans | 42% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.33% (p30 of band) |
| Vehicle NCO | 0.94% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 30% |
| Average share balance | $6,549 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,737 |
| Loans granted, annualized | $37.4M |

## Flags firing in the latest filing

- none

## 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 | 1 | delinquency rising |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | members leaving | delinquency rising |
| 2018-03 | 2 | net worth falling, delinquency rising | delinquency 2x band, members leaving |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, delinquency rising |  |
| 2019-09 | 0 |  | net worth falling, delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising, members leaving |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 4 | margin squeeze, delinquency 2x band |  |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 2 |  | members leaving |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency 2x band |  |
| 2022-03 | 0 |  | delinquency 2x band |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2021-09-22 [United Southeast Federal Credit Union in Tennessee names CEO - americanbanker.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPcUtfUC1HWVNSenIyLThUcWFHRDNvMjFYa1ZvaEhaTTZuTDV1akpiNFpPa0tFMUtFNFhMWWFydDg0b2MwdlpSeE1KYzdfdkthU0hjT0ZjWW91UVQwOWxrTzE2bkFrT0N5Q1pKSHZJZ2h0eU94YWVYV005dnBzVTQ1RUlhTmZlRWNmejMxM2JNVHBobm1nOG10MDdyTUk3QWJWLXRydXZ2cGQ4VGpfTmc?oc=5) · americanbanker.com
- 2019-01-17 [Bristol man charged in United Southeast robbery - WCYB](https://news.google.com/rss/articles/CBMigAFBVV95cUxQOUFIMDRzaGF1bkZQelpBbWRHWG80bGdhWnpuWTdSa0tYODVKbm05NjdUV0h2WFJTdE8tMGQ5X1hvT0hpdlUwYXp3ekhQQjdxNThaM3BUTmc3UGlkMk14Szcya0RYOFRLRUZISGlzNmF5QnpFRE1xdW5lamxzSGMzQg?oc=5) · WCYB
- 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
- 2024-06-21 [Tausha Hobbs Obituary Jun 21, 2024 - Hamlett-Dobson Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE84cnNvM0hsdWlaaVpfREM3aW1wN1BwNmxhNjVydk9MdEtMakFnbmZ4ZU1kRE9PU0tFc08zNllZZmZKQy1PUzhfRW85M2Nzdk9COUQ2aDZTamhrNUs5MjR2ejJGQQ?oc=5) · Hamlett-Dobson Funeral Homes
- 2024-02-15 [Coeburn Poore Obituary Feb 15, 2024 - Farris Funeral Service](https://news.google.com/rss/articles/CBMibkFVX3lxTE1xcFZ3SzB3TzNZcjN3bVh2SFc5TUVRT29PRm12NWc4a1NBVmhLQk50TG9YM2RhOGx1TDdiYW5PTUlIMk83OFdacFZaRFZ0WmhnZkNBU2hxR2xJZzdBWWhVV1dpRHBoR3duOWQ3c0Vn?oc=5) · Farris Funeral Service
- 2024-03-19 [Remarkable Women: Tiffany Ramsey Goforth and her son brighten days at children’s hospital - WJHL](https://news.google.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?oc=5) · WJHL
- 2019-01-17 [Suspect captured after robbery at Bristol, VA credit union - WJHL](https://news.google.com/rss/articles/CBMilAFBVV95cUxQaFhxTmZwMkFQZ25lTVNaZzM0bDdWRjg4dkdBVUVtRXBXdU5aRG9ja1RNUkQ2UXJ5a1hrZU1rX1VZLXhLV090amhXaUppb1NpVHNTeEtxRy04N05nVTlBeTVqcGNlRlNlVXFhMEIwV2pybVIzVjQ2TWt2Nk5YSmNQTXI3SVNpV2lGcXk1bkRkOERkek4w0gGaAUFVX3lxTE5xZDVkRFk4dUVTLWloc0xIZ3U3MVFnZ3Y5ankxM1M0YVBwMG1Cenc1WVdYVTcxTzBuM2lVYklaOUtyWjRNNHNRVnd6MnZ6ampWRlI3UEVkQnVBM1hNeTM1RExkYXJ6WUUzVmNhaXpWb3hFVDhDWFFHTzRFZ0hkQnBEa0plY2ZtSUZzZExJQmVvQ2o4WExoX1hQR3c?oc=5) · WJHL

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4714 (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/42.json (key "4714", 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=4714
- 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