# TEN
NASHVILLE, TN · NCUA charter 66886 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ten-66886

Who the members are: state charter, organized 1950, low-income designated. 18,401 members of 199,999 potential (9.2% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *ordinary*. 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 | $394.4M |
| Members | 18,401 (-5.0% YoY) |
| Full-time staff | 77 |
| Net worth | $33.6M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.12% (p11 of band) |
| Total delinquency | 0.14% (p8 of band) |
| Net charge-offs (annualized) | 0.31% (p43 of band) |
| Loans / shares | 70% (p41 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 4.56% |
| Net interest margin | 3.17% (p25 of band) |
| Operating expense / assets | 3.53% (p43 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 45% (p39 of band) |
| Vehicle delinquency | 0.54% (p49 of band) |
| Vehicle NCO | 1.04% (p71 of band) |
| Repossessed % of vehicle book | 0.14% (p79 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 11% |
| Average share balance | $10,302 |
| Participations bought / yr | $20.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $51.1M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $19,016 |
| Loans granted, annualized | $42.0M |

## Participation posture (from the same filings)

Bought $20.5M and sold $0 in the latest annualized quarter; $51.1M outstanding purchased (151.8% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -6.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 | 3rd-party paper>100% NW | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | net worth falling, losing money, margin squeeze, members leaving |  |
| 2020-09 | 6 | thin capital |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 4 |  | margin squeeze, members leaving |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | losing money |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 4 | net worth falling, losing money |  |
| 2023-03 | 5 | members leaving |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 3 |  | net worth falling, losing money |
| 2023-12 | 3 |  |  |
| 2024-03 | 6 | losing money, delinquency rising, assets shrinking |  |
| 2024-06 | 5 |  | delinquency rising |
| 2024-09 | 5 |  |  |
| 2024-12 | 3 |  | 3rd-party paper>100% NW, losing money |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | loan book shrinking |  |
| 2025-09 | 3 |  | loan book shrinking |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 2 |  |  |

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

- 2026-04-15 [ETSU renames recreation field to Knoxville TVA Employees Credit Union Sport Complex - WJHL](https://news.google.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?oc=5) · WJHL
- 2026-06-18 [Justin Jenkins Tapped to Lead The Big West Basketball Initiatives - The Big West](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPa3BITXlscWRaNjA0TXN0Z3oxcllEZ1VRd1JaSTB6NDhEc1lmREh5ejVFeHlaaVBwRmZaZUdkeXVySkszRmZHeUZHMUV6dGNjQVlhOHl1VnAzN3dxeHNrSDJwNTZkWTRGWnBWYmJWWnVTR3I1YzRxMVp5Z0xCeXFFbzlYRVdxbGJGR19heWZrN290d25LWS1JZllWWVQ3eE1lZGF4N3JQaVI?oc=5) · The Big West
- 2024-03-06 [Tennessee Credit Union leaps into the future - Williamson Herald](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOd1hGTkR2R0N4LUNEd04wWjNwMndWZkJrLU84UzRtNHJvYllyR0pIQkphQUplczFjV0lMQTd0ekJYYTgyRUdPSi05NlBGTG1zMkdUeGJ3djNKdkFBNEY0a24yQ1hyQ0U0aHI0RFU3ckdkMGkybldRbG5GY19IcWVhWXpIQ05MakNlT2pBcnVnM3VKbDV2ZW41cFQ0SUdCNHlObmRrc2lQQ2FGV2JpLW5LN3BJVW9hLVN6XzhWbkxEU2F5U1hQM1NkR3FVQTROanhETVMtQ01pcmFSUEM5Q1E?oc=5) · Williamson Herald
- 2026-06-17 [Armed robbery suspect tied to two Middle Tennessee heists captured after manhunt - WVLT](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZ0xndTlaY3RwT05hOG9TTXo5N3M2SHR2MG1DUWdrNFd6VUhib0lVUUt2bnhrLXJxamFHNlAwMzNsUjUwNHREd3F1VUkwN2VYMjAtWWdmOFhxOW00SWNJalIzaDFIWExmRWFtVUtVNnhvWGZBdmc0aXdDcW5KTFN0VjVKZld6ZWNwTzVMWjNKZ0tsSzFXYVJ6X2swbVJkaTNqVVljZjRYclFmSlkwYVl5ZnVpdlRlZw?oc=5) · WVLT
- 2025-09-03 [For the tenth straight year, Ascend Federal Credit Union named one of the Nation’s Best Credit Unions to Work For - CUInsight](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPZ1Ywa0tKYzVwdWxFMGcxTnVmV0lBOUFQbkdlN05vdUM1WUZROEZKSmllM3NPeTZ0NGdXdDVlLXc0M0JZb2doSVB3SGVYTmh0Z3c0ZGtRaFJnM0w0endXNmN6d2ROLXd1ZVVqaVNEaTZmdS1JYU1OVnJUWTlGTmlfQk9LaGpQclRsMFBUY2RVdVNrZFFCRkk2b2hWbE5BYTJGZXhaZkZVUnlfUTViQk1IZDd2Z3FvaUFxVm9oQWtNcllJS3pKRnQ2WUpVSEYwNlNmaUFGcUJsOVZQTW0wOExqY2ZRUU5ubDg?oc=5) · CUInsight
- 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
- 2026-04-02 [Judith McKenzie - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxONU1Dcm9qTDl0RmNrSVdRSlRLalVxVkRDdjhjOGJ6RkVFUkpOcjk2eF9Db093R1ZHa1cyMFZPOTZ4WmE5aUROeU5Lc0d4ODJDdkN2dDB6eDNSUmdxMHk5Z0k2dE5GTUxxaXNmSDhrczRyNnp6QnZiaUc1ZTFfUkxyOTBBbGo?oc=5) · legacy.com
- 2026-01-07 [The Ultimate Guide To NCAA College Football Team Field Sponsors - Zoomph](https://news.google.com/rss/articles/CBMic0FVX3lxTE1hb05WSFhEU0JLOXlhLUxqckhTbzlyajFld2JjUUx1bDZZaUQzUmVIZ09OTUw1NVREMUc3ZWQ3ckZSQ1lyazZzNjVrN243MDh2N3hCLXNhMGpMUDFWRkpQeVZHc1lHWmhLS2RQaXJ1R1BtY1U?oc=5) · Zoomph

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66886 (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/6.json (key "66886", 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=66886
- 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