# TSU
Nashville, TN · NCUA charter 6667 · asset band <$50M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tsu-6667

Who the members are: federal charter, educational (single sponsor), organized 1950, low-income designated, minority depository institution. 326 members of 500 potential (65.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.1M |
| Members | 326 (-17.3% YoY) |
| Full-time staff | 0 |
| Net worth | $108,934 |
| Net worth ratio | 10.2% (p18 of band) |
| ROA (annualized) | 0.86% (p56 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.40% (p2 of band) |
| Loans / shares | 38% (p19 of band) |
| Cash / assets | 66.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.05% (p84 of band) |
| Operating expense / assets | 4.73% (p75 of band) |
| Vehicles % of loans | 79% (p80 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% (p15 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $1,992 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $5,183 |
| Loans granted, annualized | $104,129 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 0 |  | auto monoline, delinquency 2x band, delinquency rising |
| 2017-12 | 9 | net worth falling, losing money, delinquency 2x band, delinquency rising, charge-offs p90, repo signal, assets shrinking, loan book shrinking, auto monoline |  |
| 2018-03 | 8 | thin capital, margin squeeze | delinquency rising, charge-offs p90, repo signal |
| 2018-06 | 10 | expense trap, charge-offs p90 |  |
| 2018-09 | 11 | delinquency rising |  |
| 2018-12 | 8 |  | delinquency 2x band, assets shrinking, delinquency rising |
| 2019-03 | 5 | assets shrinking | net worth falling, losing money, expense trap, charge-offs p90 |
| 2019-06 | 4 |  | margin squeeze |
| 2019-09 | 5 | margin squeeze, delinquency 2x band | thin capital |
| 2019-12 | 6 | delinquency rising, members leaving | margin squeeze |
| 2020-03 | 5 | margin squeeze | loan book shrinking, assets shrinking |
| 2020-06 | 4 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2020-09 | 4 | delinquency 2x band | margin squeeze |
| 2020-12 | 3 |  | delinquency 2x band |
| 2021-03 | 4 | losing money, margin squeeze | members leaving |
| 2021-06 | 5 | delinquency rising |  |
| 2021-09 | 5 | assets shrinking, members leaving | loan book shrinking, delinquency rising |
| 2021-12 | 8 | net worth falling, expense trap, delinquency rising |  |
| 2022-03 | 8 | thin capital | margin squeeze |
| 2022-06 | 6 |  | auto monoline, delinquency rising |
| 2022-09 | 6 | delinquency rising | net worth falling |
| 2022-12 | 6 |  |  |
| 2023-03 | 1 | charge-offs p90 | losing money, assets shrinking, members leaving, expense trap, thin capital, delinquency rising |
| 2023-06 | 1 | thin capital | charge-offs p90 |
| 2023-09 | 2 | auto monoline |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 5 | losing money, expense trap, delinquency rising | members leaving |
| 2024-06 | 8 | net worth falling, margin squeeze, loan book shrinking |  |
| 2024-09 | 7 | assets shrinking | net worth falling, margin squeeze |
| 2024-12 | 6 |  | delinquency rising |
| 2025-03 | 7 | margin squeeze |  |
| 2025-06 | 6 | members leaving | expense trap, margin squeeze |
| 2025-09 | 5 | margin squeeze | thin capital, losing money |

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

- 2024-09-03 [Ascend Federal Awards Scholarships to Students at TSU, Fisk University - Davidson County Source](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTkF0V0NjbkR5eXhCemJuc041WGxlNmxud2oxeHdzR2IwRmFkemM1cllwVFFzSkpGcXlwazRGdG1zSVI4TklTUFpmYWZmMlFYQVdEQndDZU90UjhqcTRHSWkzSDJfdjNNdFR3R2RVbEVSbWRmODJHbUg2MzlnUElLdWJRYWpjMTNUaXhqRVJ0LWRvR2Q2S1pjNEJaYUdEU0RjOTZ1SUt3?oc=5) · Davidson County Source
- 2025-02-19 [Business Spotlight – CEO Todd Swims celebrates 30 years at Leaders Credit Union - Talk-N West TN](https://news.google.com/rss/articles/CBMipAFBVV95cUxORXhNdGVJV0dOcFUxVXdSeHlMZjdlNFVfOFh6QjUtNFdVakN6c2xvRlhiVWxaVTgyZUx0MjQ2ZVk1bnN6d29zTGtsWG96OFN3TXFuVGdNM2dmYW5YeFh2dE9DVElUNTNCbzVLYWIwOENZd01SU21GR24tTGlwZ2xtTWE3Q2l1RUtMMUZ3dkp3X3N2eGZfWXhBY1Fycnp3S1NSbkt5SQ?oc=5) · Talk-N West TN
- 2024-05-18 [321 HCHS Graduates Receive Over $5M In Scholarships - radionwtn.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQWF9qNnZLeHN3azJTQ0VYY2ZZcDZaUXdSOWpzdUM3a1VQeGhucFQ5MGxkWmVvOUJvWG1INHJocUNxTTdfRkRDUnhkeTZKNlZUaE1rTE13V2lORDBKOHE5Q1h5bV9TaFUzZlEyOEJFQWdhVHdVejQ1YlJxRUpJTU9tTzFHU1NVN3Vnd1Q1Rzh4XzJPZw?oc=5) · radionwtn.com
- 2025-01-17 [Albert “Al” G. Duff, Sr. Obituary - Ventura County Star](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1rQjIxOV9maXFEY2JFdXpiUUE0NHVwelpnNmw5NUF6RzhCUDA3dWppVnlMQk5lVGpwX1poOGpORUVZTUp6Si1vM1NyWmh6Q3ROTFZFQldXT2Q?oc=5) · Ventura County Star
- 2019-09-03 [TSU marching band gets shout-out from Lizzo after Aristocrats' 'Truth Hurts' performance - The Tennessean](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOcUdaNUhnS1RzUE95QkpkSU9pWTJGaDEwV0xzQ0xYVVhMOVVkMGdLSl96UEZ3Z1BXTVFuZlRYV0t4b2xrdFh4Tjd0bFlCam5LbGtmWHcxWWt6cGFGeEVoYlRxbVE4ZWVZQUM5QzBZSlB1U2ZYblhRSGt3MU90X2Y0NFg4b2o2TWc5NURGdmo2c2lOMHVlYVZfT3NfZEJDVWF4bmdxX2djVFFKN0xKX1R5dTExVElXSkxWRXJEd0hTRXBjWF9jeHJEOE5VaVBsOHZS?oc=5) · The Tennessean
- 2016-12-19 [Lelan Statom - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5RLW9aMGlKT2VxWFFIdkNxbjRFTFVPYzd6VWdzRGVpNzFWcmZNR2ZINlVBUm5xNzhtUGZtMFZpaVVEell1T3pHNXdvM1NCU0M3UjNvWTk4TjdfbHJvcTF4R2RlTktSbU0?oc=5) · News Channel 5 Nashville
- 2022-12-06 [MTSU program helps working Midstate mom resume academic journey to earn degree - WGNS Radio](https://news.google.com/rss/articles/CBMiugFBVV95cUxQWVVWUThtb2dGaGF0RkRFQk9jUjBSX3VQREY3ODk2cUxCSU4za0tRN1JNejVGQlR3ckNDZy1WWXpoS1hmd3JjNGNMd1VWaDNFZENGWnhCMFVPRlczZFFRQll2blgzejBXVks2ZDh2eTBGNmMwejZfY0JsbUUwYkJWenFOdTRmRzJTcEg4ZzVUM3RlVEJ4SGZZWURzb1dmM0tYcS1KaUlzVlRIRG82X2lVLS1yLXJQUXBRZ1HSAb8BQVVfeXFMTUsyM3I4UWRpZUlGRVNtMXktcTYxTGtjQmFrZ2JXYXhSbjh4OVlkdnZCdnlCT0l2VDVZLUF6c3lFcHppX3o2bl9pdzktUWhZOVdMR1ZZOUxTekw3Rnc5eFYzeUV2V1BkbzVxOEJBdndiU1A3SjF4N2VhcExEUXFiMkpCTUg1MzJJandXX2RmOFk2cTV1SzZSNUhEV19SbUNhdnVlRjBkMkt0SWRMaUlRbjNBYk5QSUkwLWp1VjBNX2c?oc=5) · WGNS Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6667 (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/11.json (key "6667", 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=6667
- 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