# NORTHEAST COMMUNITY
ELIZABETHTON, TN · NCUA charter 67021 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northeast-community-67021

Who the members are: state charter, organized 1952, low-income designated. 12,429 members of 50,000 potential (24.9% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 24.

**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 | $188.7M |
| Members | 12,429 (-1.0% YoY) |
| Full-time staff | 44 |
| Net worth | $31.8M |
| Net worth ratio | 16.9% (p90 of band) |
| ROA (annualized) | 1.19% (p78 of band) |
| Total delinquency | 1.42% (p85 of band) |
| Net charge-offs (annualized) | 0.20% (p34 of band) |
| Loans / shares | 63% (p37 of band) |
| Cash / assets | 29.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p25 of band) |
| Operating expense / assets | 3.18% (p33 of band) |
| Vehicles % of loans | 20% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p31 of band) |
| Vehicle delinquency | 1.33% (p81 of band) |
| Vehicle NCO | 0.56% (p51 of band) |
| Repossessed % of vehicle book | 0.26% (p89 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 11% |
| Average share balance | $6,346 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $393,072 |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $33,335 |
| Loans granted, annualized | $31.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $393,072 outstanding purchased (1.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 2 | repo signal | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | repo signal |
| 2018-09 | 0 |  | delinquency 2x band |
| 2018-12 | 1 | delinquency 2x band |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | delinquency 2x band | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | delinquency 2x band, delinquency rising |  |

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

- 2026-05-26 [Northeast Community Credit Union selects 2026 William L. Armstrong Scholarship recipients - Elizabethton Star](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPSEprS2lhVzFxOHBTbVBlaGdtQlpwdXhsNmhkYkMxc2NjZFk3VTRVazJCUXpycG9uY1pEUl9HSkZaWmNfYVFqTENzQlBMVlZVV3M0WEJmaHNjdnBERUdHeFMxVHFUXzgtQnZCaDhUWlgteHJDdVlNSkhIUklfQWRPLVNjak9uTWNFbDBFTEp1MFpVTlVxdWVqajB6WWs2QnR3T1FlREtaMWhtV3dhU1pZNjVVNlhVaDNBQjJWSmVfU1ZZMDQ?oc=5) · Elizabethton Star
- 2026-02-17 [Loan fraud investigation prompts lockdown at Elizabethton High School - WJHL](https://news.google.com/rss/articles/CBMipAFBVV95cUxQcUFWMlhYRHJfcEh2dDZBeDNzcVRjd1dHT1RVSi0ybC1saU4yZ1hoQW5QSzNCbDhoQllNSW5YUEt2WU1OWWxwb0JIMkF0SThkeEZPX3RxeFEtdHNGZWlJZHV5UkZXNnpDN3FZenhkdkZaV3QzVjNlY1FiNkVrWG96MW1ITG0yZzRlTUo2WDZ5dHZNRlZWN3Uza19ELV9NSm54ZjU2RNIBqgFBVV95cUxQNklySGpoVTdGVFduYV9LOU5fbGxCeEVsRkc4OWRpdEM2Wl94VVlKb3pWd2szc0V5OHpNR01mTFdndUFvMUo4SEtra1RIUjNZV2dTdXA5am9jX251Z3hmNjgzN1ZlbllrYVpWZUE3d1NMTVlXZk8tYkJtRXFBcVRWbUduTV8xSS04SmhJd3d0UmVHYU5hcGdyX1hmMGV2OUI4bTdhdk9UNlF6Zw?oc=5) · WJHL
- 2026-02-18 [3 charged following $92,000 loan fraud investigation in Elizabethton, police say - WCYB](https://news.google.com/rss/articles/CBMikAJBVV95cUxOX05zTDFNUUpPeG5iMXJTYXdLa29WaWdSX1ZfbFBIcHA3QUh0T1VuenNkbGViYTBnYThSQ3BrUXlmQWtuRGxvZGZWR19zVWxxM3BGUDZYa1l6bHowT3pKM0FPV1FDY0dlcG5XSlQzRXJUWjFHdE0xbmF3bnROdl9za2hCbmxHeW16d2hTTHNYcTc4WEQ0c0otUXEwaEw5QWcwR0duWlY1U3Fjd0FxSy1nM3hYUjRlUUw0RkgwZ0JaZ0dwN3ZvdDFqSTZ6UXpjd0h3cFR5ajZ6UElsd3ZDb3RVTFh6Q0w5M1JMY0gxdGtkcl9DX1UycW9oTFoySHFZeFNhYWxDWnN3VW03ZG9IdDMyYg?oc=5) · WCYB
- 2025-09-19 [Northeast Community Credit Union celebrates expansion, renovations - Elizabethton Star](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRHoyLUV6RE5qUjJ2SXVEQU5RTUtkYU9hcmtkeXdEc01TSkVQLWl5OTlYQ1p2dnkxd2ZwNE9SNW44NElaZGoyUjVtWkxzMXRTZjg1OXc3ZFFmQm1rTnU1ejRGMDZKVmFEY2lUOXFaRnhsXzRRS0RIVnd3RXM4S1MwSkR2MHFmOUhaQzI4N25jY3htVlBCNi12SHFMV1BIUjhPbXlVZA?oc=5) · Elizabethton Star
- 2021-08-09 [Northeast Community Credit Union Ballpark - Elizabethton River Riders - Stadium Journey](https://news.google.com/rss/articles/CBMihgFBVV95cUxNWXBfOF85emgyM3FXVUhZQ0hic29Kc2laTmhIMnhGalJqWDhmUWl2VTI1M2czSXA5M0JWU2o2cUVjbGx2ZWxvT0lOLWVRcWJ0UG1vcGZNd2VMWERKOVE0QlBPekEzSFBMQUlaQjRObERjUWdUeWl1Qkpaek9RQVVCVlFJc3NrZw?oc=5) · Stadium Journey
- 2024-11-16 [East Tennessee High School Baseball League - MLB.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE82UGNka2tHRktIVV9XUjdMVHJVTkJfMThrUXlleGJfUV9yeHUzcEFYZHJkdVZZU1BoYlFiUXdmV29FTG8zVEtsN0h4SXRSMkQtbmdkdVNwb0o0WDR0?oc=5) · MLB.com
- 2017-05-05 [Greenbrier Mayor Inducted into "Tennessee Credit Union Hall of Fame" - Smokey Barn News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOX1VLMVdSMVFlaDJsT29sNXhzTjVnQ0ZQRjF6VVo2bDQwb0JDN040UldHMHNJa0dQb04wd3ZXSkJ5X1ZISklScHEwZk0wUDRGcEpzWTZ4d0Vzb0t5Tndfc2xwcXU1N0tDSG55dm1ZTzFYbldOdWVOVGRlNW1mdnVJZnF4MmJUanBVTjgtaEItc01IcXd6?oc=5) · Smokey Barn News
- 2015-12-16 [Two Arrested in Asheville, Indicted in Connection with TN Bank Robbery-Kidnapping Schemes - WLOS](https://news.google.com/rss/articles/CBMitwFBVV95cUxOZ09aOTY2eHF4T1l1VkY0NnhmdTFmNnhOR3B1UVBoQUJEdmhKRzRZWmxVMVRrTlUweC1vYVBBYkdzdTJNUEVFVDIxN0t1SDdiVVlpanp3R1l4OW44ckFLampnelUxa1dsZC1aYTNJN09uaUNma1JDOHZvV3V1NnR1eE8wb0Y2eDlxa0syUi12STBqb0lENkNtV3dNODlNWkNhZkJlemdiRW9Fc2RTMk9QVUNvcHVWanM?oc=5) · WLOS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67021 (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/13.json (key "67021", 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=67021
- 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