# HEALTH SYSTEMS
Knoxville, TN · NCUA charter 67736 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/health-systems-67736

Who the members are: state charter, organized 1953. 720 members of 2,600 potential (27.7% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 19.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.0M |
| Members | 720 (-5.0% YoY) |
| Full-time staff | 1 |
| Net worth | $232,387 |
| Net worth ratio | 4.7% (p1 of band) |
| ROA (annualized) | -0.81% (p7 of band) |
| Total delinquency | 0.03% (p19 of band) |
| Net charge-offs (annualized) | -0.01% (p14 of band) |
| Loans / shares | 46% (p38 of band) |
| Cash / assets | 17.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.80% (p43 of band) |
| Operating expense / assets | 4.47% (p82 of band) |
| Vehicles % of loans | 38% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p17 of band) |
| Vehicle NCO | 0.00% (p26 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 0% |
| Average share balance | $4,203 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $15,943 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, members leaving |  |
| 2017-06 | 5 | assets shrinking, loan book shrinking | net worth falling |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | net worth falling |  |
| 2018-03 | 7 | delinquency rising |  |
| 2018-06 | 8 | capital below 7% | delinquency rising |
| 2018-09 | 6 |  | loan book shrinking, net worth falling |
| 2018-12 | 4 |  | capital below 7% |
| 2019-03 | 7 | capital below 7%, loan book shrinking |  |
| 2019-06 | 9 | net worth falling, expense trap |  |
| 2019-09 | 7 |  | loan book shrinking, net worth falling |
| 2019-12 | 8 | loan book shrinking |  |
| 2020-03 | 6 |  | expense trap, loan book shrinking |
| 2020-06 | 7 | net worth falling, delinquency rising | assets shrinking |
| 2020-09 | 7 |  |  |

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

- 2026-07-13 [Wikipedia’s List Of The Largest Data Breaches Globally Since 2004 - Cybercrime Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxPajZBeWRfVjExckZsaUp5cFpWR0VOLXdkWC1sWU9pVERsbThmNG80Q0RPelZ2OHhGbGhieEFCRmRkNDY4NVBuNzRaQzBldG5TTll0Y1gtaUFiYUtpZ1ZESEhQSTJxZk1jMjFEQzM4SlVuWlJ4ZDBlLVZsM0ctNGk1Z3dhSzJubHJHVW44QlhzVngwWkJSSmU5SlFIWjhRd1Nn?oc=5) · Cybercrime Magazine
- 2020-02-05 [Nissan Stadium Turns "Red" on Friday to Support Ascension Saint Thomas 'Go Red for Women Day' - Tennessee Titans](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbDBpWUYzd29wWTRoeUNkRGkyRXRxUEhOTXlrSS1SV1FTSmNYczRfYkhMazRqQmRvWkU1NlRybVlwUnU2d1dQQUo5RXBMYzF3R0JrNzV0NEJxYTIwSGNCcVRWR200emhCSmJtSWxSUTAyUTkwTkdmRFVJcXBNR256ZWh2bzN6aVNZR3RRSG00TzFucFNwMGlWanpXTndpQk4yZklDVV9hVUpRb2Fneng0d1hodmMyZDRr?oc=5) · Tennessee Titans
- 2023-09-28 [Meet the Chairman’s Circle: Cassandra Williams - Greater Memphis Chamber of Commerce](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSjY4Y1p5cGJQLWZvczEwVUZZbktPTWRCUmF1ZXlHT3BLZDJZSnR3b3Q0TnctVF8yemhUaHR2clpnaU56eFV5TEZFNmhxWXk3amtKekNCRjNQZlQ2TjBla1lyN0xETURNMnRMZlJaVmx3VmZNdEl3eXdqNTlXdVRJcEIwb3huWFgzVW1pTUx3?oc=5) · Greater Memphis Chamber of Commerce
- 2023-09-28 [List of groups spending $1 million or more in Tennessee politics grows to 191 - Tennessee Lookout](https://news.google.com/rss/articles/CBMiswFBVV95cUxOZ3hHY093cEFmS0ljN21peDJ5d1kwWTBHZk1MTXRqdFFlYktTdzlFYWdWQzNOTS0zanc5T1ZQUDZ1Nk5nRkpQU0x6TE1nYjA2MnRlcF9xbU5ITWlPVk1KYk1aRWxhMWxhUEF4YkdJNjhHZXpfajBZenozS3NwQjBTQnFyOUt2STFwc1dEWjFsZGxSTHlxMnlYMzB2Y2ktSUhXTnhTNFVVYkJlTHJINm5CLXQwZw?oc=5) · Tennessee Lookout
- 2025-04-03 [HOPE executive leadership appointments announced – Cassandra Williams named president of Hope Credit; Union Ed Sivak named president of Hope Enterprise Corporation – The Mississippi Link - The Mississippi Link](https://news.google.com/rss/articles/CBMiowJBVV95cUxOa3JlY0MtX0M1cXF6Q0cyX1JuNEE0UFlfMU05WnZIWHJmbDdkYnFlazdzNHV3OXBCRkJGODE1YkFzZ0lkYkdra0VsSlZKMkh3VExWWmRWYVNOVnVkX2JfSlNWZnUzdTNjUjlPb0Z0cllvdVZnaV9UNmtObXhVMUUzSTFsRmN6SUFBMEhsSFVybk5HdUNTeG05ZEtzSEdrMXY0cjhHUU82SzU4UVBYYXZtckk0cVpNblRhRm5PVEh6UmZPYUhhSEhNNFQ3RlF4SEFFZ1ZudTZUQXkxQlJkdVljODhLazhQSnBxX2RQb25JZEZtUVhuUVducTZadnlOb1ZZS092NVdDSi1Hd3hBY3RCWjJ6ZXFQRnBrZnM5akFaTDJFTnM?oc=5) · The Mississippi Link
- 2024-07-19 [Global IT outage hits Fresno television stations, airport, banking - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOOEJsdnZIbl9uQmdVX0I1QmNISW5jeGU5ZlhTWF9fNDBFLXlCZm1hRFM5ZzVsWjlObmlrcXRIdnNUVG53YWJ5b2F3QnpINXBTMXVxcHUzREszNnN3aEo0RnBNanYyQXg1VmJoMU05bm1NdmphTzFJb0xKbWNhY3pDQlVlWkVoOHZ2UHhUQk1MbUNkVUJfeHVkQWFqbWM?oc=5) · thebusinessjournal.com
- 2020-01-07 [West Oʻahu Magazine 2020 - Page 2 of 4 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5WWTVwRWJmdkVLbEFkcVZtcW9GNDdlNGFrb3FkZUdlUWstMUNORFVfS01uY1gtZ2FlcGFVZjBnbHNlNGwtRGhzMTY1U0tlX01VTU1PVm5DTU1uVVhI?oc=5) · Hawaii Business Magazine
- 2021-02-01 [Truliant Names Calderon Senior Vice President, Diversity, Inclusion, and Equity - The Tennessee Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZHRpOGFleGhNb01OZDU3RWR0V01QQkEzUFB0d2ZXZGJGSmlGc0dQNUFlNzZkSlhwRU1uUnoydUkxNk5TdnlseGtneE5IckJFZGdQV1lJUXpSOS1ERS1yRTZTVl95d1UwYXpIazQ2bkpiMm1Sd0hLdzhtMXpEMGszVktLMFhvN25ZbjA4NWZtUHV1T2NHTGZ0bzNkdV9qZEFN?oc=5) · The Tennessee Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67736 (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/24.json (key "67736", 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=67736
- 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