# LAKESIDE
New Johnsonvill, TN · NCUA charter 67713 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lakeside-67713

Who the members are: state charter, organized 1965. 2,624 members of 7,872 potential (33.3% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *auto monoline*. 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 | $43.8M |
| Members | 2,624 (1.0% YoY) |
| Full-time staff | 11 |
| Net worth | $7.4M |
| Net worth ratio | 17.0% (p62 of band) |
| ROA (annualized) | 1.55% (p86 of band) |
| Total delinquency | 0.73% (p53 of band) |
| Net charge-offs (annualized) | 0.52% (p76 of band) |
| Loans / shares | 60% (p54 of band) |
| Cash / assets | 47.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.49% (p73 of band) |
| Operating expense / assets | 3.28% (p40 of band) |
| Vehicles % of loans | 77% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 209% (p99 of band) |
| Vehicle delinquency | 0.53% (p52 of band) |
| Vehicle NCO | 0.20% (p75 of band) |
| Repossessed % of vehicle book | 0.11% (p93 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 16% |
| Average share balance | $7,970 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.8M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $11,989 |
| Loans granted, annualized | $7.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.8M outstanding purchased (104.3% 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

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2025-10-18 [Knoxville Smokies Announce Knoxville Music Festival at Covenant Health Park on October 18 presented by Jammin' 99.7 WJBE - MLB.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVFE3S1dnZEJRQmNlbUNBSlJkNVJhUHB2X1BFZ2lyQnRreE5SQnNOWThGTU8xa1ZXYjdRTTlhZnpmdktjSXhia18tR1JQdXVMamE3RExHWTQ5MGgtckdyblRsbjBONU9uUWFaQ2hBUjNleXRmdnpnTTVVYzJ4U3RGMmNQTFhha2dzSHNwN2NsdzhSM3l4Rnh1TUhzYWdOMExiQVhjWHpoLURWZ0pNdzdZS3lCMVlMLWN4UDNSNUt3NjRYSkxzWGU2VElpQXFrcnVub3RYcVZ5M0pNbV9pTlE?oc=5) · MLB.com
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-03-02 [Sarah Pearson Wood Obituary Mar 2, 2025 - sumnerfuneral.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB1cTZNTXg4VVFBMmFQZHFRMWRXb2pNR2tlQTNNZnBUcGpScGdlSnROUmpOdUloR3ZiWXFrZlVGZHpMdXd5T0lQelA4cFp5ejBiQ1B4YkZPY2JSNk8yZ25Kcg?oc=5) · sumnerfuneral.com
- 2025-08-14 [Knoxville Smokies to host Knoxville Music Festival at Covenant Health Park - WVLT](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzg3STVWTmhWcVUyOHJ3aVlJNFFpNkE5S2FGMFdVOFFBUEh6YU9vV2JQdExlTlZQaXM5cXMwdFBQWHlweHdzc1pLcWhEVC0tbzZXMTd6V2Q0TnBPLUVnNW12X19ORFk3eU85djF0ZXI0YjByY1ZGb3VUMnBYQkl3VnJZa1dZVjB2eFZxdWlEc2dUbXVQVHhQRE1jajJQcjAya2c?oc=5) · WVLT
- 2021-06-12 [Lakeside retreat and anglers’ paradise on edge of Armagh about to hook approval to start work - Armagh I](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNcy12WGU4S2lNUmlyTzBWaGp5TXpFSGtLU0JBRGJjdXdFTGx3RUVGb1VaXzBJU3lsU3hPWkg1bFBibUNrbE5Xbk44VFpZY0tUQUg1X003YUtSUEVlUkFMamhsdnhycHJVZFNzdmRhUVVWQUZSRTFvSkZoRndxTHhUSHFya3I5aVhEVVh3V0dvaWlUZmQxYmVFRllwaEtZLWd3RXdqR01JQ3JLdk10V3lMd0plY3kzbzRueGl1MG51VGJnVW03bG1tWTJ0MDJ4VDFQc2c?oc=5) · Armagh I

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67713 (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 "67713", 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=67713
- 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