# THE WEST TENNESSEE
Atoka, TN · NCUA charter 60726 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-west-tennessee-60726

Who the members are: state charter, organized 1967, low-income designated. 1,641 members of 1,500,000 potential (0.1% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *auto monoline*. 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 | $18.5M |
| Members | 1,641 (-0.1% YoY) |
| Full-time staff | 3 |
| Net worth | $2.0M |
| Net worth ratio | 10.9% (p22 of band) |
| ROA (annualized) | 0.74% (p58 of band) |
| Total delinquency | 0.90% (p60 of band) |
| Net charge-offs (annualized) | -0.12% (p10 of band) |
| Loans / shares | 78% (p79 of band) |
| Cash / assets | 20.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.84% (p48 of band) |
| Operating expense / assets | 3.36% (p42 of band) |
| Vehicles % of loans | 71% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.83% (p60 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 18% |
| Average share balance | $6,767 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $13,186 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | losing money, net worth falling |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | losing money |
| 2017-12 | 4 | net worth falling, losing money, delinquency rising |  |
| 2018-03 | 3 | delinquency 2x band | net worth falling, losing money |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | delinquency rising, delinquency 2x band |
| 2018-12 | 2 | net worth falling |  |
| 2019-03 | 3 | delinquency 2x band |  |
| 2019-06 | 3 | losing money | delinquency 2x band |
| 2019-09 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2019-12 | 4 |  |  |
| 2020-03 | 6 | thin capital, net worth falling |  |
| 2020-06 | 7 | margin squeeze |  |
| 2020-09 | 5 |  | delinquency rising, net worth falling |
| 2020-12 | 3 |  | losing money, delinquency 2x band |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 6 | net worth falling, losing money, charge-offs p90 |  |
| 2022-09 | 4 |  | delinquency rising, net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | delinquency rising | losing money, charge-offs p90 |
| 2023-06 | 3 | loans>95% of shares | delinquency rising |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 | assets shrinking | thin capital |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 4 | delinquency rising, loan book shrinking | loans>95% of shares |
| 2024-09 | 3 | loans>95% of shares | delinquency rising, loan book shrinking |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | delinquency 2x band, delinquency rising | assets shrinking, loans>95% of shares |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | loan book shrinking |  |
| 2025-12 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2026-03 | 2 |  | charge-offs p90 |

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

- 2026-06-17 [Suspect in custody after attempted Murfreesboro credit union robbery - WZTV](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRkVmS0pSdFVZenVpSVA3OHpJVTlLeU55NWNYRUNfaWcybUV6VE4tM20wVWpvdnl6Z0VhbGlFMnZQYXlFMF9LamJSV3RaUmhldWNEcTBjTFVReGJ1S3VQTVh1eTdHM2RqM0VCWDN5SS10MDdyTng3djZ2RWZpNEpFS1hQTTc0Z21ySS1jVWhPNUxLM3M2ajFhMkNmZm1TTVMyU2Nha09n?oc=5) · WZTV
- 2026-06-17 [Suspect in Murfreesboro attempted bank robbery captured in West Tennessee - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMisAFBVV95cUxPRUVGNlp1ZDlQQU82cElHRHh3bHNkREVjQTBXcW1LclBRdU5uOS1mVWJsb0t0VFVPMElfNWU3WVRsZTZBdFJ1VnFQRHpGY2RBNHZaeHpIUl8za0ZudmgyTTB1LUZLNFduWG8wRzFyTWc4WTRzRUp4TDJFejROajhFLUd5dnBGWnV1eUp3QXpLeDduS1o2LVBSQWhwLUZUZVozd0dNd2RQWlBYSG5Xdk9QYQ?oc=5) · News Channel 5 Nashville
- 2026-06-17 [Bank robbery fugitive now in custody in Henderson County - wbbjtv.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQT21nVDA5MzMwa2tiVGJqd3ZXVHp5bzNELTRNQVprWV9UZ2toaXFEbFdjNnVRSjd1VGE1ZXpiTUVtNGNOT1lpMFdvUTdvS1doMHBibjgwbExrZFF6ekVoWDNXZllEdkdyT3JpUm5qWWVUandWZjl2MHl1Qno4bzlubTg1MGVFM2dWcTJvbE9B0gGiAUFVX3lxTE9rbFNveS1sai1qY1poaHVIdzQ2dXBnS0M0VDgwTVpDZWZVNFBKQnV0R1NCeV9UUkZ0NE9USXM4bU5FOXBnYngzRHVhZ1BHMzZweV9MX0szNmY2THJCazJ5S1JEVTYyeFc1bEdSbXhiRE82a1FxdFRhNVFZS08xSTduR3NVM0JSd24yYVFXNmlYVzhaeE5HdnJ1c05XaWlyVHNyUQ?oc=5) · wbbjtv.com
- 2026-04-10 [TN Officials break ground on flood prevention "Wet Center" in Middleton - nbc39.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNUE8wQXBuR1BoalNaRmw1M2Uwc1VvUkxjS09qNFJIRVVkSG5WU1lJZ29WbE1ZS2RydTB6azZ6Y1Q2a1N2dWJ4bkVqeGFKdWNxRFU2S1JHMndsazB4SXc5OHUzS2Z4VjNVd1JzeXJ2QjhMazJJQ09YYms4ZVV4RDVnODFaLW9yM3IxOXZNbjZTbWpiUVo4QjFHY25yMV9VdHZ4YmVfUXhhV2NzMnVNaG9mdHI3bk1jWTEwbWphTEp2Skg5c0ZkUFloMFk4d1VsSy16ekNrbjlYS3ZFV09ybVBtSVp1S3dxamM?oc=5) · nbc39.com
- 2025-02-19 [Business Notes – Jared Freeman named chief experience officer at Leaders Credit Union - Talk-N West TN](https://news.google.com/rss/articles/CBMirAFBVV95cUxPakxXdW1aSkllUzh1N3FDTVFHenZSdWZCV1NaT0xieWlKWWQ4a0dXeFc3NHoxcGlDa2NtZXU1Q0lkY0wzaHYzZHpzdENHbEdTV0tmWUtBRnJmM2xQRWVTeXNYOFkwbkRoUFFnQ3QwN19HN2J5ZlhFZmlmVmU5eUhtMXQ0Ylk1aHAzYjBLZjlzY1pvc0x5RTRrN3hQdHBlRkNOSHliUFFLMm9tWDdO?oc=5) · Talk-N West TN
- 2024-07-13 [BOB LEE FIREHAMMER, JR. Obituary April 15, 2009 - peeblesfuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE44WE5MV1EwVWhrWHUyb1hTVWZRa1k0WWp4UWdZdWhQaktmVmthN2NDWjFJdXFmSFdhRGl6YmVPXzUzZ3BrMGk0aFctQ1ZVc21vUUNrbVVCUG5EdHZ0V1U5TlowNU5DcUJSNzdBbHgtMA?oc=5) · peeblesfuneralhome.com
- 2026-01-14 [Jackson's Black Tie and Boxing raises more than $245,000 for STAR Center - jacksonsun.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQekM5OE14Y0diNG9hZTZBR2tsWG95RXc3bDhsZlFrNy1fRmtsaFpKamZ6eHFVdUhzVnVGUTNRbXF6VWk3ekdCNW91dGtZYkt3Y0N4WWQ0d0pzMHRLTGZ0QkU1T3dJckpXVFpVUmFfdWlmOTJEX0pBc2RMa0JWUE9oMzBJNWxfM1pmQ3IwX3VmSkhMOENsSGZPREV0WUlsbEZxRDlHczlDMEFNLVhuSm05bGxhUVZuVWZNajV6bmIzV25tZW1pS2c?oc=5) · jacksonsun.com
- 2023-01-26 [Appeals court: No new trial for jealous Union County woman who murdered her husband - WBIR](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQODFOazZLZkxydTF0LTFoRkhkZmlEcG1qdEpFa1BfMEY5a3BLS2toYjF1dUdaZHo4QjdFb2VKZGY3RDMyUHpYZUFxbXJ5OUtnaGtyQklTQWRwOTVTQ1VOZ1ZxLWtPbENYUlBlMHRWNDRsUWtPRGF5dW9Hanlrc3llelVIcUtsRmVKc2UzSjZwdWN2WGFmZnNkamV3QWRRQ0lIV0c1ajZkeWY2YzlEaTdLWHZNd19fYm1SUTV1d3B5U2lNb2VxMTA5eHJxREZnS0YxNm9nWlBxU3FjbU1Vd09YMlJabzk2X1Zwc1FLWWlXN1ZhWjFs?oc=5) · WBIR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60726 (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/54.json (key "60726", 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=60726
- 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