# KIMBERLY CLARK
MEMPHIS, TN · NCUA charter 60928 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kimberly-clark-60928

Who the members are: state charter, organized 1971, low-income designated. 8,240 members of 30,000 potential (27.5% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 80.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $145.9M |
| Members | 8,240 (-4.2% YoY) |
| Full-time staff | 23 |
| Net worth | $32.1M |
| Net worth ratio | 22.0% (p97 of band) |
| ROA (annualized) | 0.54% (p39 of band) |
| Total delinquency | 1.05% (p75 of band) |
| Net charge-offs (annualized) | 0.72% (p80 of band) |
| Loans / shares | 72% (p55 of band) |
| Cash / assets | 17.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p37 of band) |
| Operating expense / assets | 3.09% (p29 of band) |
| Vehicles % of loans | 59% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.02% (p72 of band) |
| Vehicle NCO | 1.05% (p75 of band) |
| Repossessed % of vehicle book | 0.03% (p69 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 32% |
| Average share balance | $7,895 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 80% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,249 |
| Loans granted, annualized | $31.3M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 1 |  | net worth falling, charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | auto monoline |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | auto monoline |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | margin squeeze, delinquency 2x band |  |
| 2024-06 | 2 | net worth falling | delinquency rising, margin squeeze, delinquency 2x band |
| 2024-09 | 1 | members leaving | auto monoline, net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, auto monoline |  |
| 2025-06 | 3 | delinquency rising, charge-offs p90 | net worth falling, auto monoline |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 2 | delinquency 2x band | delinquency rising |
| 2026-03 | 1 |  | delinquency 2x band |

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

- 2024-12-27 [Wishing a safe & happy New Year to all - Pennsylvania House Democratic Caucus](https://news.google.com/rss/articles/CBMidkFVX3lxTE5ZVUo3QWJDQlhsV3VlMFc0OWkweV9sVFhHNnFTd2t3MkNWQ0RkY1l4d2NpRDk4T2tndHVqb2l6WmtJaGdPUk5pNWN2U2ZDYThpV1ZlRDFwcDUtNzlRR3M4bElGN1J0OTVUSE1hRGRtZ2NRME44ZWc?oc=5) · Pennsylvania House Democratic Caucus
- 2018-12-18 [Bonnie Bryant retires; leaves lasting legacy at Coosa Pines Federal Credit Union after forty-two years with the organization - Sylacauga News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPb0FxSEF5RENLTjN0QUQ2ZDJadm9HdmJIdW9BMEZjZmFzdFRielNLUjhXR3FHTk9XNXdRWjk2eEY5VTdlRWRqM0IwcWdmeVpYTExkS0hLV0ZFNzM2cHBjVjFBRm5kcmp6VHBmalgteUJoeFg3ZURXTFU3bGtJcWZmZU8yeEJrS0JHTHhrdVdBd2Jhc3dDa2VLWElmME55YlZQWWhfOU5QUEVPMFBhVHFkY01sMmJRY0pHRVpZSXhEUlZXaWp1Qm9vOS1KNlpqbjFURXdMdFc2RFd2M0plMWhUUEw2UHF3dGdmbFRaWDZHdlU5Zw?oc=5) · Sylacauga News
- 2019-04-21 [Robert Noah Obituary - Memphis, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE5uX2hWaHJpSnVTSFh0c3lVb3BPdkx6NG1hVmdKV1doMmZURlBiUWRjMDFtNFZQX0oyNllEd25FMC1qTU1DTE42N3FVTjhibTYyRURQb1k2ajlqXzFwQmlhTUxWR2ZuS0NGdTBfNkhSWXRoMkNCOEVBOGdrTi1ZUQ?oc=5) · Dignity Memorial
- 2006-01-10 [Accused carjacking mom back at home - Action News 5](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbURYSmZieC1namFXTmMzWjdpSXBOTkMydl9qdUNlV2FndjlxTU9VUFJOQVRhWFk5QXBQaC1zNzdPWnJONDhtR0Z4RGY5SUtQNHdla1NNNHpKUGs1c19xakMtRDVSck9sMUpfR2htNkdVSUlLVjBIY2FNSU9aTHYtdF8ycnHSAZcBQVVfeXFMTkZxQ1RNZW5rM3ZzQm9XVnI0d2hITWlLWHc0RV9qaG9oa3Zhc3JubVFSZ2cteHR0UWJXa2tfMUlUbjN4U0hWN3N1THRaMXpIYnhaWEt3TnBYTzByQjhRYnFUMGxXY2lYWFB4cmVRb2xVSmw5UEw4R3hDWW14NlZNOTVKcjZPc1RNMGd1LTJnY0Mtd1dCZi1paw?oc=5) · Action News 5
- 2025-01-28 [Milton Ward Obituary (1936 - 2025) - Collierville, TN - The Daily Memphian - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRXl5UVFnMVN4TlI2WF80RVVJZ1hfYTZPRXRTQkgtUDYwbjRxZ1hhVGptTjJPbjJWY1hLYm1Bcm00OXpQT0w0aHJpU0ljVFFRZzQ2c3lBNmF1Q05IdUpjSXFaelQtYk5Oa09yc3JOQ1RlY0djOVN4YTR3ZWJMUlJSUzFENjM5aEoxQUYzN2ZxOGM5Zw?oc=5) · legacy.com
- 2024-03-17 [Gov. Glenn Youngkin announces additional administration, board appointments - Augusta Free Press](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNXzdWV19tTlRpVGtyZnUxUlg2dERTWVdMSFdtWS1aQ0pOZnhMN3RaMTJGTkRIM1d6SDh5Q1ZnZERBclhBbjdJZVZEYU0zWFBFZEZkb0djT2FwU1pHX0UzZVpTd3A2LWUzcG5SbzhTYklkUW92a0N2Z3o5LU9nUWQ5Q3ZwTmZUS0RMT3JHOXNfMTJMSTJnSEh4RjdDYnJOYkFmWlp6ZFFBRHJJLTA?oc=5) · Augusta Free Press
- 2015-04-14 [Obituaries - DeSoto Times-Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxOSEY0MWt1VVJxMmJrQTRSMUhnZTVpYWRPZ2EtcDd4d3BZNjVZQllUeXFFdTFKVEFxTl9TSnVCeTBDUmprRk52OHBuMC1ZdWk0MjUzZlY1NE9pcXJBVi02SmxRUUpmdHJqamhPekZQTkFrSHpIVGZYZGZlSUVPUU1Sc0xhaTZhOU16WjJkOW1yQlRrUW9RaldBWFhMSkZlTi1C?oc=5) · DeSoto Times-Tribune
- 2021-11-29 [U by Kotex Tampons Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMirwFBVV95cUxPd0NfbWhKVkdxYnVnbDJES3l2MkIybHlfa2pGeVBuZzc3aTl0cDMzZ0YwbS1xRVBBRzNUdXZKeFNEd0VKY1h6Wmk5c0xJVWF3dHhKS1NkOTdBS2lFWHg2UDc3Ymhkd0lKVi1YSWVuUVdIQW5JY0prN0RGYWdBbGhIa3lPeE5qSFNMYXQ0RjlyamZsN2FEY1dVZDJwVlphVVpxc3lJclpWeHk2T2cwY2JZ?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60928 (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/0.json (key "60928", 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=60928
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide