# MEMORIAL
Chattanooga, TN · NCUA charter 63802 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/memorial-63802

Who the members are: state charter, organized 1959, low-income designated. 1,276 members of 6,000 potential (21.3% of the field); checking penetration 15% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.9M |
| Members | 1,276 (-2.1% YoY) |
| Full-time staff | 4 |
| Net worth | $971,899 |
| Net worth ratio | 14.2% (p45 of band) |
| ROA (annualized) | -0.81% (p11 of band) |
| Total delinquency | 0.25% (p33 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 58% (p50 of band) |
| Cash / assets | 43.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.93% (p85 of band) |
| Operating expense / assets | 6.78% (p93 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 1% |
| Average share balance | $3,496 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $6,596 |
| Loans granted, annualized | $726,356 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | auto monoline | losing money |
| 2017-03 | 4 | losing money, delinquency rising, members leaving |  |
| 2017-06 | 2 |  | losing money, delinquency rising |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 4 | repo signal |  |
| 2018-03 | 5 | losing money, assets shrinking | repo signal |
| 2018-06 | 4 |  | losing money |
| 2018-09 | 2 |  | delinquency rising, assets shrinking |
| 2018-12 | 2 | assets shrinking | members leaving |
| 2019-03 | 2 | losing money | assets shrinking |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | losing money |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, loan book shrinking |  |
| 2020-09 | 5 | margin squeeze, members leaving | loan book shrinking |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | expense trap |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 5 |  | members leaving |
| 2021-12 | 6 | delinquency rising |  |
| 2022-03 | 3 |  | margin squeeze, expense trap, delinquency rising |
| 2022-06 | 5 | delinquency rising, charge-offs p90 |  |
| 2022-09 | 4 | members leaving | delinquency rising, charge-offs p90 |
| 2022-12 | 5 | expense trap, assets shrinking | net worth falling |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 | net worth falling | expense trap, assets shrinking |
| 2023-09 | 4 | assets shrinking | net worth falling |
| 2023-12 | 4 | delinquency rising | assets shrinking |
| 2024-03 | 4 | assets shrinking | members leaving |
| 2024-06 | 5 | members leaving |  |
| 2024-09 | 6 | loan book shrinking |  |
| 2024-12 | 5 |  | members leaving |
| 2025-03 | 4 |  | delinquency rising |
| 2025-06 | 3 |  | assets shrinking |
| 2025-09 | 5 | expense trap, delinquency rising |  |
| 2025-12 | 2 |  | losing money, expense trap, delinquency rising |
| 2026-03 | 4 | losing money, expense trap |  |

## 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
- 2026-06-16 [Armed robbery suspect tied to two Middle Tennessee heists captured after manhunt - WSMV](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSHZmYU5Ub1pIU21ZaHY1T1VuVzQzRkJCMnE0N2FsY191TU94a2kzaGJ3LW9PdHJ5RjN6UTJXSkFyVFJaNEptUFJvczdjZ3FZLXZaVGZESmtpM0JkY2E5UXdOV21ONU9OQXFFazNHOFlFY25TRU42UGFkVDZ0dGlwV0ZjYllnd3Y1NlFQVnI5V09sczVPZldNaXJ2ZXd6bWwyT2VGSjkyZXBSR2dvY2lR?oc=5) · WSMV
- 2026-06-17 [UPDATE - CAUGHT: Man Accused in Lebanon Bank Robbery and Murfreesboro Robbery Attempt Apprehended - WGNS Radio](https://news.google.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?oc=5) · WGNS Radio
- 2026-08-10 [Billie McKenzie Obituary - Chattanooga, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdTA5S0ZBdXN1NDVuNmdKSk5uWlo3UVBTMkdpLWhlUnR6WmJzX2ZGTXZyUk1ydkRxeTZPTVpHekVnejlVSGhwZnZFdUY5QXFrWm5taHh6M3h3NkI2ZnY2OHc2TlNPZlVENFFsTzR6dUVMRy1WZnB6cXZGUFRrUXpod1Y0SUcxOVRlbmc?oc=5) · Dignity Memorial
- 2026-03-24 [Riverfront Nights launches Memorial Day weekend with Prince tribute, lineup released - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxNUVVmdlZnWk9sb1RJelZsLXl6aFgzdVB4VGN5eEFqc0dMOGlhTHJXUEt4QnpnUHFhUjhGV2EwTnhnZkNVZEc2MVBZQVpmOERhV1I3Uy1aYVE3OUVtRFJ2c3g5SWlNWDJPSkVKSFlVUVVGUEMxVjdxRDJZZzRzZkJLM2g2ZUpGMHladXFIV0ZyMmVNc2tSa05fVGJzMUw?oc=5) · Chattanooga Times Free Press
- 2025-07-31 [Credit union for Grady hospital employees to merge with Mississippi institution - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVzJqYVRJanJTZ0RsRUV1aTk3eTZSWUlnWUFyN1N5WG5OM1VsajZ2QUoyRHV2Tm1MOGd3d2VVQWVtd3E5bG8wQkxUdWlsMWtpVExXYWJYTWNWUzlDN0dFOHZuTHBzRTlCVWNoa19GVmlnd3ZEZW9FSnd5YUFBVlpQbXVQWHFsZmRPZEtBUV83bXk?oc=5) · The Business Journals
- 2013-11-08 [Mrs. Ly Thorman Obituary Nov 8, 2013 - Williamson Memorial Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMia0FVX3lxTFBwdEljUGR6aF9aSWhISHJ4OFFzQWdnbldNVFcxaXkxSEtsU3ZRVEpBZDhodVc1cFNTVHhWYmJ0cUJSV1M5SVlpUjk4X25yaExkRUhKZkxwRms0eG1Tbksxa2JTeWF1TTVDeWVJ?oc=5) · Williamson Memorial Funeral Home &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63802 (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/58.json (key "63802", 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=63802
- 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