# US COMMUNITY
Nashville, TN · NCUA charter 67720 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/us-community-67720

Who the members are: state charter, organized 1968, low-income designated. 25,463 members of 1,347,105 potential (1.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $348.2M |
| Members | 25,463 (-2.3% YoY) |
| Full-time staff | 75 |
| Net worth | $39.0M |
| Net worth ratio | 11.2% (p50 of band) |
| ROA (annualized) | 0.57% (p41 of band) |
| Total delinquency | 0.67% (p57 of band) |
| Net charge-offs (annualized) | 0.41% (p51 of band) |
| Loans / shares | 79% (p61 of band) |
| Cash / assets | 13.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p46 of band) |
| Operating expense / assets | 4.19% (p71 of band) |
| Vehicles % of loans | 32% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 47% (p40 of band) |
| Vehicle delinquency | 0.33% (p30 of band) |
| Vehicle NCO | 1.42% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 31% |
| Average share balance | $5,982 |
| Participations bought / yr | $20.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $34.2M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,964 |
| Loans granted, annualized | $76.3M |

## Participation posture (from the same filings)

Bought $20.3M and sold $0 in the latest annualized quarter; $34.2M outstanding purchased (87.7% of net worth), $510,412 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 8.6% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 2 |  | net worth falling |
| 2018-06 | 3 | auto monoline |  |
| 2018-09 | 4 | delinquency rising |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | net worth falling |  |
| 2019-09 | 2 |  | auto monoline, delinquency rising, net worth falling |
| 2019-12 | 3 | repo signal |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 | charge-offs p90 | repo signal |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | charge-offs p90 | net worth falling |
| 2021-12 | 2 |  | charge-offs p90 |
| 2022-03 | 2 | delinquency rising | expense trap |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | expense trap, delinquency rising |  |
| 2023-03 | 1 |  | expense trap, delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 3 | expense trap, members leaving | delinquency rising |
| 2024-03 | 1 |  | expense trap, members leaving |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 0 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2024-05-03 [Fortera Credit Union announces appointment of Nathan Brown as CFO - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxONmJsWG9SM3BRdXJRTzNra0NXLVV2UzlxRDhIclJId1Y3M2pRbDR0Ym5UWUgxTVpXZFNYcndQS0hUQkI5RVBzRjVDeUJ5d0s4WExaeHktRzBLTUVBaU5iWWlXTVdkMU56eUNxX0xJRkJVRWVNNV9ncmJvUGx2ZVlUaHpuaDdzeTVQdjN6dFQ0Y3FKWWlvWVd3b0dfSUNMVzlNZFRlVnQzTXozUQ?oc=5) · CUInsight
- 2025-01-31 [Police: Accused Nashville bank robber used his account for an Uber to and from robbery - WZTV](https://news.google.com/rss/articles/CBMitAFBVV95cUxOM3k0UnFkXzMtRU1YekVTSlpkaF94R21EZTY3SmVvbm9rcHVSMThDRl8zelBtUlo1OS1nZUVYbUlocU4zX3ZabVNyanZMUmo0Z3U0X3NtZF9ISW9IWmxwcXAxLXA0cG41VkJQaGJoNlhxN1VxZFo0QTNVVWFtTkhmemNxdTgwY3JsOEwyMm9lWUlzSnVRUnVfOUEzRUdZZVJDRnFhOS11WFZSbl9vNnJtRG5EZGQ?oc=5) · WZTV
- 2026-01-21 [The Best Savings Accounts in Tennessee for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9TZ0tJeUNLR3NhUjktUlp1eFJTVDI5ZnlQQWhaNHhHTXlkU3RKTXlDaWRXOGFORE5MUUFwN0pRNjB5WjZyZTFQVDRrWEhDYTd3eXhlUHFRMnFnM0RpZ0NMTThRTnFNWnpqZUFGNGVFZWxXeDkyY2Frem1R?oc=5) · moneyrates.com
- 2021-07-21 [PENCIL to Host Inaugural Community Health Event for Metro Nashville Public School Families July 24th - The Tennessee Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRjh5d3RySC05VE9hX3dqNHpIMjF3VFdWeURaYW5EY2d0UlZ5azBBVVJid01tcVBadWRzT1JGU3hsMnhYRERvYmpjQzdrU0ZPQ2FKZTViUjQ3cVM2NWlrcHZBZzJwdmFQZlUwTGpIMWlhZTRZQXdkU19DVS1DUkRlYUtGcjZVM0dadVlDdGhwSUdadjZGdXZkUGpzTnl6Y1lRNjB6XzB3bHd5Q2lPc0ZuaFdMRXhFOEpVMXZPaUE3MUI?oc=5) · The Tennessee Tribune
- 2025-01-31 [Accused bank robber used Uber before and after crime, police say - WSMV](https://news.google.com/rss/articles/CBMilwFBVV95cUxNWjVYUzlqRUdYQ1VMdXBDY1dGZzRlTHJjaFlrVnNNa1F2c2hfYlNmZHNfaFhaQ1RDYncwMER0NkpicW5IOUp5YUhOWHN2a05EM2RNaDRjbVNMdlhBMTZpWDgwdWZ5THBCY0U3bm1ZeUJralVSNGhqXzlHZ09ROVYzS3dHWUxiMXB3VFVWdVNiMkdvZDJRUmI40gGrAUFVX3lxTFB5OEdKZl9jc1ZOdTV5a3UySkdXbnFwMVc2N2F0TWNZeEpmUnhRcFBJYnJQZXp5YTNkNktXeEgxN2JTU0VndXYwdGppbHpUVnVnUXBPNEJMNGtHdnRzOEZqMmJMNHlnRjVUOWNWdmJjRm1TZHNFeUZmUTJEczFyZUxTUVNpWHowSUFJQWhyOWVaMEZtTVYzcmRsSDJVbzdZOUI4bG1MdDZfd2Fuaw?oc=5) · WSMV
- 2019-05-14 [Bobby Sandlin Obituary - Goodlettsville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNXzFhRzhOVVFET0F3bm1ob2pSWFJ0WDA5NVFCVEp1YnhqMkpZdk9KeG5mWHVmQURxMGVvVWlwTndiY1RXeDN0d3JsZGstSHVXck1oSjlUUmlseVp4dm5aYkpsQjZRbWp0YVBzMEwyRVFIa3RxWWpxbU5BNXk5eTJ1UE5BczhfTUNsVlE?oc=5) · Dignity Memorial
- 2023-03-16 [Wilma J. Quirin Obituary (2023) - Nashville, TN - Highland Hills Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQbU83ZGNFZVBCbThCMTJMb2VCOWZWS1dlZmdUYmw2Z1J6RXctMXBtR2gzY1lyV3dKMXR5VU1ua3RtQUJsOS1qUFhsUkQwNS1BUEh4ZXpYUW9TWThJR0JiZ1FOZEQwc2lWQ3ZmTm5UMngwZnFuQTZ5Q2JKR05qdjg3Xw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67720 (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/8.json (key "67720", 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=67720
- 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