# CONSUMER
Greeneville, TN · NCUA charter 60056 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/consumer-60056

Who the members are: state charter, organized 1953, low-income designated. 30,308 members of 315,680 potential (9.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $651.2M |
| Members | 30,308 (-6.3% YoY) |
| Full-time staff | 82 |
| Net worth | $68.7M |
| Net worth ratio | 10.6% (p54 of band) |
| ROA (annualized) | 1.08% (p78 of band) |
| Total delinquency | 0.12% (p5 of band) |
| Net charge-offs (annualized) | 0.08% (p8 of band) |
| Loans / shares | 88% (p70 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 5.51% |
| Net interest margin | 2.40% (p3 of band) |
| Operating expense / assets | 1.97% (p4 of band) |
| Vehicles % of loans | 10% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 50% (p37 of band) |
| Vehicle delinquency | 0.82% (p67 of band) |
| Vehicle NCO | 0.86% (p52 of band) |
| Repossessed % of vehicle book | 0.09% (p62 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 183% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 41% |
| Average share balance | $10,436 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $75,827 |
| Loans granted, annualized | $138.4M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | 3rd-party paper>100% NW |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 3 | leaning on borrowings |  |
| 2017-12 | 3 | delinquency rising | net worth falling |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | loans>95% of shares |  |
| 2019-03 | 3 |  | loans>95% of shares |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 1 |  | leaning on borrowings |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | loan book shrinking |  |
| 2020-09 | 1 |  | net worth falling, loan book shrinking |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | 3rd-party paper>100% NW, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | members leaving |
| 2022-09 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | thin capital | delinquency rising |
| 2023-06 | 4 | net worth falling, leaning on borrowings |  |
| 2023-09 | 4 | delinquency rising, members leaving | thin capital, net worth falling |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | 3rd-party paper>100% NW |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 1 |  | leaning on borrowings |
| 2025-06 | 2 | leaning on borrowings |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-01-25 [Government and Business Closings: January 26, 2026 - wcyb.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdU1Jdy03MTQ5NVJMX2pOS0o3dF9GQWVkZldyMUhyTTBNSTdwZlJpNGxJc1Z6UkF1UGYzUFRzX09YdE1odXBaS3JNY1E2UWhnNEtOLWdtMng0bXRLX0l5OWpTd0N2T09WeVRKeGZTdjlzbEV5WG1EU2RablQ3T2h0MmFn?oc=5) · wcyb.com
- 2026-01-31 [List: Businesses and government offices closed on Feb. 2 - WBIR](https://news.google.com/rss/articles/CBMixgFBVV95cUxNUmNFLVRrWmI0VVpmX3JGTldOZk9jSGM1bUd6dWlYdHYydjVKYThfcGppTkgxQWswbjd3MkRvTUFCakVVTFBjTTNodVFJQ2ZXQ0hCbEp5Q0RtUnlMVUJDMncyRXozZUlEd2NBMnhYcUR4X2ZFNGV0RXM2X2pZd0FLcDFqQV8ydHdTVnFoVE5PaTBVdlJEcXZTWUZTaDM3TDFmZVpRbkVjaExNZDBHTG9NQ3dweUw3NlFmVW1LcnFGRmZ4bGNvM0E?oc=5) · WBIR
- 2024-10-24 [Tennessee credit union crosses state line in bank purchase - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxNcUlsTE5JMDdoSWIxcUhZTFc1SUVvYW16ZjdHem9ybUtSYlREc005SV9CcldzcWVpVnhyYjFFTzl5LW9CVmFSN3l6NjNQdGxXZ21DZldVLTZ2Ry05N0dGWWh2RkNjZE94WGhES1JObEpiQ1FCeTR1VnZudjJzbmVzYWVyakVFOWlGTk9BX2oyNnVZdENVbER2a1dOaEFDcHNZTVNOd1J3aXpnN1BSVzFPYg?oc=5) · Banking Dive
- 2025-09-12 [The Homebuyers Privacy Protection Act Becomes Law - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMirwFBVV95cUxOR0RMakRlNUVwYnJCU2M4VXFXckxLWTItSXpEeUo5OFRmWVVkYnRMWFVGMWk2QUJjUm1fakNWWmlWeHpHaUtpLXloNE90ODVHTjJBM1ZUbjN5Y2M2aFpiWEdhcV9fTkdoWUpEZEJUaXdvQ2NCU0YzUHVQUHVlUTR2eXRnbC1aNVdPUDB6TWdUcy1EWldtNGk0N3pNaTIwY2NRMy1GS3N0YzV6Y1JEcFJz?oc=5) · Consumer Financial Services Law Monitor
- 2026-02-01 [Business and government closings: February 2, 2026 - wcyb.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQM19iM3JvbVlqMUZSTzJkN2F1V3Q4bmpjdHBkTkFtWUdjNEhNUFhBT0RadW5UMGVZU2JlR3FKS1ZPZnR6UjBzYldUSVk4ZGFVbmdmMkNyTUdzN0F6NVhVSGNWMkVwSzVMQ045OTNFUzJNRjRWQlhCQXFZT2paOUpsdUpR?oc=5) · wcyb.com
- 2025-03-11 [16 Credit Unions in the United States That Anyone can Join - businessinsider.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZVNIY2hNRE02Y2dQOG52cFNmejQzZjdTTURrX1VHM2hZVHN4enRRR1BtVmxHZ2tmYVVkRDVOZGpWemtJYU9FUFMxdkVSNmVGRzdVMVR0cldGSFZDQV9Qd1J0VXhZMmc0UmxteDZKc2dTc3NTMEh6R2Q0cmdrbDdzV2drQk5mazlQQnVkemg5bw?oc=5) · businessinsider.com
- 2019-12-05 [Sam Miller Retiring From CCU After 30 Years - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPeld1MXpQU2xBbTNNNG5GcjNEc21tNWVOMnA2Z095WFM4SUNMYlh3SW43ak0yYzB0cEU4d3hBVzJiTnJFMGJoMmxHMUVaOFljQUVtVnpFRXBpeUU3NHV5djdLUlVmazU4akVUWWp2aXNoNnMweExpNmp3ZUpSeUF0WHFnQVR3T2lDaGJjWms0R2xKeWlEcEhvQ2pJWlV2NzJjUlg2UjFvSUViZUhNYV9KRWZLMGVyNW1jYzBuOGZLOWVhQ1llWUZsWGpIa0VnNW5nT1FaeDFYUjhCWTBoaEl1aVkxSUZvZzlR?oc=5) · GreenevilleSun.com
- 2023-12-19 [Bills To Curtail Trigger Leads Introduced in Congress - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQmtIbVljQy11ZGVaRUFTUTRwS3BOOW53SXlPZkpmX0lXcEdJYW15VHFyZm91WEVLdzFGd2YzXzFRZzRDSFZhbWcxWXE4Ql9VTHdPMnlzMHp2aEhxNVViWFF4ZjBrenl6X1V3VnA3c3owUTlSLXhSbk5YVXQ0ZC1zX0E5cm4xTU54dUJ0cl9Za0YzR3NvZHhxU2xOU3RDRHN0cnVmOEw1bw?oc=5) · consumerfinancemonitor.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60056 (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/24.json (key "60056", 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=60056
- 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