# EMPLOYEES CREDIT UNION
Nashville, TN · NCUA charter 60505 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/employees-credit-union-60505

Who the members are: state charter, organized 1934. 3,930 members of 15,000 potential (26.2% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $31.1M |
| Members | 3,930 (– YoY) |
| Full-time staff | 9 |
| Net worth | $5.5M |
| Net worth ratio | 17.6% (p78 of band) |
| ROA (annualized) | 0.19% (p48 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.06% (p52 of band) |
| Loans / shares | 34% (p18 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.53% (p32 of band) |
| Operating expense / assets | 3.01% (p39 of band) |
| Vehicles % of loans | 34% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 13% |
| Average share balance | $3,922 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,522 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |

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

- 2026-08-17 [Vote for the Knoxville TVA Employees Credit Union top returning girls soccer player for 2026 - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOODg4aUdWZ2ktc3lOZjdfWFVHbUxYYXdKRXpvNWwyNmxDc0cwTWI1OWFfSTlwaXBHYXFxQms5NVdMMjQyVTI3blFxbGxFQVJNOXdRclI2YW9aVC00TnJOdmdXaDU0NTkyd1AyWW1LX2k0Y1ZpUkZ5VVBYaWFLb2ZPbVpfRDc5b0dfV1k4RWNWWnY5SF9iblc3STViQmVySE5QVEpuSkFkME9iYmlmckx1MmlGRG91ZTB5R0lKOGlhTkVSaGg0WmtlVTdpUXFEbmhjZmMtakdtaC1tZTdrU0EzLS1zMUFRQURo?oc=5) · Knoxville News Sentinel
- 2026-04-15 [ETSU renames recreation field to Knoxville TVA Employees Credit Union Sport Complex - WJHL](https://news.google.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?oc=5) · WJHL
- 2026-08-02 [KTVAECU® breaks ground on new Strawberry Plains branch - The Knoxville Focus](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdmExS3R1TDg0WmNGRFNVaVJUUVpiaGxaODZWcjQ5dGRxUm91LTlQb1dXRWRMX1hENl85NFpNZEVueU9KUkRmQ1VnbVEyeHRxblF1VS1zS0p0M2RiUG8wTC1VMFlFOUJsbXBsSEplbHIwLXl6djRIeVk5RkdDNVlqNENWbm1WUE9ZeUxRUFdoZFVFLUVlSGp4N2FVWXlnelZHVERuZHhURVpCUQ?oc=5) · The Knoxville Focus
- 2025-12-05 [Knoxville TVA Employees Credit Union selects NCR Atleos Allpoint Network - ATM Marketplace](https://news.google.com/rss/articles/CBMirgFBVV95cUxPVzRVZ3R3cTZkR294c0VjN3RVODdKczkxczN6bkJrS1dIRjdNLV9QUWlYU2FZUGRQdHc4UjJNY29WdDZKT3IxQmpCZVpka0t5X2lid0MzdThhZ0cwM0VhS19nRHA0VHdhOXYzTlRlWk5lbUhjQ2ZHVVUwWTRFWTFvdUJTQUE0RkEyQVc4Tkl2WkJ5ZFp6SGtlMVAzbklheEVnMnpZTFQySkhHX05wZlE?oc=5) · ATM Marketplace
- 2026-03-05 [Greater Eastern Credit Union changes name - Johnson City Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNMVF5RkZkanV3dUt0VmEweGdKZTRxcG8tdEZMTGh5X0R6MG1oM09xdndlcXVGbEY5VTdHRzVDaHJ2U2hYaExPUnU4ZmlVZm1aMEw1Q0RSZTVsX01ZUFNiUEpsWFRVZ3hMWnA0cjVRNk55SEItZ0dtOFM3Qk10WDFYbTVpZ2tmelZBZ2pV?oc=5) · Johnson City Press
- 2026-06-10 [Best Certificates of Deposit (CDs) in Tennessee for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9YRE4yYmstNmRTSzAtVVZtdnZJVGZRXzFSMmp5NV9yTGFoS0o4ZmgweE9udlVIZ1Y4LWE4LTdiRmhHUVpxZnk1SW04LWdQZHQ0dnhtR21YaDJJb3FkYnhpWV9wallmQmdX?oc=5) · moneyrates.com
- 2026-06-03 [State Employees’ Credit Union Mortgage Review 2026 - NerdWallet](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeFU5V0xzYjlYU2xCXzVyc0hFc053cnVxZ2d3alRmTmRvNW9POVlQQU9kSEJOaVZwaE5FdmJKOFkwcW5wTjZlMHJWZVZHejd5M2NaSnVkYmtmVDNLYWtuSGlOOFNhNFlzRTdmbG52dURMdEFHc0ZDc0lyVE9XNS1TOHJjMnZsVi1OZnFfa3p6QkQ?oc=5) · NerdWallet
- 2026-02-18 [Board Member John Pogue Retires After 49 Years At Tennessee Valley Federal Credit Union - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOeV9jYmlYTTNuZGRHdG1JaUdSOVJEUDBsU2lZWllMU1pabkg5Ml9ENVRkRzV5YVdPbnVkRloyUm1qZzBuc3phZ0NCdlRidnhPeTBWRDdsNEtUX0l1SGQwOHdXSlg4RnhLR2pPd1BiWTRWamNMQm9qTU8tVm84VTZXSllnekVFdFZ0el83eVNYT05Vdw?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60505 (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/25.json (key "60505", 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=60505
- 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