# LEADERS CREDIT UNION
Jackson, TN · NCUA charter 61185 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/leaders-credit-union-61185

Who the members are: state charter, organized 1957, low-income designated. 90,743 members of 225,836 potential (40.2% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.31B |
| Members | 90,743 (9.6% YoY) |
| Full-time staff | 217 |
| Net worth | $144.8M |
| Net worth ratio | 11.0% (p58 of band) |
| ROA (annualized) | 1.19% (p82 of band) |
| Total delinquency | 0.62% (p50 of band) |
| Net charge-offs (annualized) | 0.75% (p72 of band) |
| Loans / shares | 99% (p88 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 1.55% |
| Net interest margin | 3.34% (p51 of band) |
| Operating expense / assets | 3.94% (p84 of band) |
| Vehicles % of loans | 61% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 79% |
| Third-party paper % of net worth | 421% (p95 of band) |
| Vehicle delinquency | 0.75% (p62 of band) |
| Vehicle NCO | 1.04% (p54 of band) |
| Repossessed % of vehicle book | 0.09% (p57 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $6,799 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.4M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $20,929 |
| Loans granted, annualized | $746.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.4M outstanding purchased (3.7% of net worth), $832,073 sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 12.9% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | leaning on borrowings |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | leaning on borrowings |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 4 | leaning on borrowings | expense trap |
| 2017-12 | 4 | expense trap | net worth falling |
| 2018-03 | 3 |  | leaning on borrowings |
| 2018-06 | 5 | net worth falling, leaning on borrowings |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 3 |  | leaning on borrowings |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | leaning on borrowings |  |
| 2019-12 | 3 |  | leaning on borrowings |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 2 |  | loans>95% of shares |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | loans>95% of shares |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 5 | net worth falling, delinquency rising, leaning on borrowings | expense trap |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 3 |  | leaning on borrowings |
| 2023-06 | 4 | leaning on borrowings |  |
| 2023-09 | 3 |  | leaning on borrowings |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | net worth falling, leaning on borrowings |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | net worth falling, leaning on borrowings |
| 2025-03 | 3 | auto monoline |  |
| 2025-06 | 4 | leaning on borrowings |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | leaning on borrowings |
| 2026-03 | 3 |  |  |

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

- 2026-07-27 [Leaders Credit Union hosts member appreciation event at Jackson Rockabillys game - wbbjtv.com](https://news.google.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?oc=5) · wbbjtv.com
- 2026-07-21 [Leaders Credit Union CMO receives WestStar leadership alumni award - wbbjtv.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxORkZ6UDZhT2dhNGFNSXpZak1rbGt3enFlVHpGSUhONDhVUUQwT0dqODVHMHZKZUJxVS1jRkZDZFp6eXJSbl9RZkh1YjdOQnV4UXZXbHVtWUowSjAwZ25WTE5VQlhTV2dra3NaSGJILXFyYjRUcDZpTjlvYk9BWTJiN1l5Nm9YZllYM2tfMlFHcktHSG9ITThNbTdPU1lTOUhmT1lr0gG3AUFVX3lxTFB3X1c3MEQ1LVNFRy1Nc2xtMnpSNFNfV1dpcVdGaWRjNldIX2xhdWtKeUJPeHl5YmVrWEswMUpMY19DRjE0S1hxZnZTMUFKakJhUEhVSTBUc2dOLVIyQ0VuclFZLW14bG9CRkVPOWdpRWxsQ19iQTdEZWgxQWFSODE5LWZubV9FallHUU5RaUtLcS1WSjJSSU1jdGU3R2Qwc2VxVzh2VkVKeU9RYWIxZzc2VmNLNVN3Zw?oc=5) · wbbjtv.com
- 2025-10-23 [Leaders Education Foundation awards $35,000 plus to local educators with L.E.A.D.S. Grants - Talk-N West TN](https://news.google.com/rss/articles/CBMisgFBVV95cUxNWmF0aVlqWVRoZGJyWkQxMUl4OTlyYi1PdFZ6azR6bk1Ueks2cHBTNmlFQTVUQnAwSi1odWVxajFNbXdGT0RqbEZXMEt4bGlWVXBITDk1YzIyWmpCNjhEWHdBN2xlTllDaU5QbGxZTl9jNUZCdUpvSXNFdm94R1F4UDlIbTNGdTcwM0lkNnpLX25WMzNWQnZyaVFSUl9hTV9lXzNwTU1VUmRPVnFtYlVZN3VB?oc=5) · Talk-N West TN
- 2026-07-21 [Joyce Long Obituary (2026) - Jackson, TN - Arrington Funeral Directors and Crematory - Jackson - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBDczRtY0NsdkhoSVNySFBIRTNXQTRQUm5zX0tDM2gxbEhvdy1BSTE1YURITWtlWGZvZ0ZXaVIzcWpwTl84bmJxaFhvbHlmNHAxVEtlRUFJa2hOcTRFQ3ItM2hKdHk4ZVBXdjdqVFZuUEtnanJSZHMtYkJnMzVsdw?oc=5) · legacy.com
- 2024-11-05 [2024 CFO of the Year Private Company winner Seth Rudd, Leaders Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNczB0SS1PN1FxaDg0R240WW5mNllWVEdtdThEd2ZIYUlLc0FCUkFTNVFnVkpvTDliaVNLdzVUdFM2M0RoUHBHTmY3YTBycnJPcFA4YmRqaFhsTDFZVHhQWXBXMHF1cU9ORm43SnhvYktiZUZMUHVNQTdnS3gwc2o2STN2RUtQUHRJRzQ3M0ttN240bXlDLXZSWm5UVHNmMktU?oc=5) · The Business Journals
- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2025-10-27 [West TN officials shine in 10th annual Dancing with the Stars in Jackson - jacksonsun.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNWjlzMGVzSmx3WWo5Y1gzUGNjXzhPS0E5V1dfSTgzbzRBYmVyYnUwVUhSTHVxVGFDNjg0TGV1T2MxYUJXSm1yeTFjOHpJcEVpU1FCSzlKOGZ1OXlCaFl1MVJoTktrMEl6V3lXbXVTX0VscGNJTEJNdml6UGNBUnhBdTY3T09aVGZETHhtVWJPREFiTXdHZXQtcDNYaUVwd1Q3bEZ5b1lDeEtEcEVYeTlqcGJGWVlvQU1SbkRpU0tDVXN0UXhxZ3pWTlNNZXlObl9kSktBZW5HZw?oc=5) · jacksonsun.com
- 2025-08-26 [Leaders Credit Union named ‘Best Credit Union to work for in TN,’ 7th nationally - Talk-N West TN](https://news.google.com/rss/articles/CBMiswFBVV95cUxPU3VfZ0VuUUxoOUlzNDdQX1pJcVl5SE52Tk0xek1pMjNyUmI2YTB6WU9hS0xzQnZyMlZpaFZDWEVJUm1JUEFfOWl6V3NZUy04SlBGTEotZWk1ZHA3M1RGTlhqczJQbFlZLW5WWlNRcDFSQUI0WGVEbEQ0elYzRWJxNnE2NkdUQzN1dW5xX2RmWUlJS2dqQkVKdVBSaTNycndEMTAzV3VDenBTSUlHR0pjUGNLcw?oc=5) · Talk-N West TN

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61185 (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/1.json (key "61185", 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=61185
- 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