# CREDIT UNION FOR ROBERTSON COUNTY
Springfield, TN · NCUA charter 67741 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-for-robertson-county-67741

Who the members are: state charter, organized 1968, low-income designated. 9,082 members of 580,000 potential (1.6% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $85.7M |
| Members | 9,082 (-9.2% YoY) |
| Full-time staff | 41 |
| Net worth | $11.0M |
| Net worth ratio | 12.9% (p50 of band) |
| ROA (annualized) | 1.49% (p85 of band) |
| Total delinquency | 0.19% (p19 of band) |
| Net charge-offs (annualized) | 0.50% (p71 of band) |
| Loans / shares | 77% (p79 of band) |
| Cash / assets | 27.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.19% (p97 of band) |
| Operating expense / assets | 5.76% (p94 of band) |
| Vehicles % of loans | 67% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.28% (p30 of band) |
| Vehicle NCO | 0.82% (p77 of band) |
| Repossessed % of vehicle book | 0.02% (p77 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 18% |
| Average share balance | $5,015 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $12,772 |
| Loans granted, annualized | $18.0M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | repo signal |  |
| 2017-06 | 2 |  | net worth falling, repo signal |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | repo signal |  |
| 2018-06 | 3 | delinquency rising | repo signal |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency 2x band |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | margin squeeze |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 5 | charge-offs p90 | delinquency 2x band |
| 2020-09 | 3 |  | net worth falling, margin squeeze |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | net worth falling, charge-offs p90 |  |
| 2022-09 | 2 |  | expense trap, net worth falling |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 5 | expense trap, assets shrinking, members leaving | delinquency rising |
| 2023-09 | 4 | delinquency rising | expense trap, members leaving |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 3 | expense trap, delinquency rising | charge-offs p90, assets shrinking |
| 2024-06 | 3 | charge-offs p90 | expense trap |
| 2024-09 | 4 | expense trap |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | members leaving |  |
| 2026-03 | 3 |  | charge-offs p90 |

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

- 2025-09-09 [Robertson County 2025 Main Street Awards Finalists Announced - mainstreetmediatn.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPMml0dDZiWVNSR241R1BHXzRsQmpnd0xVSFFSMC1QTERoV0RhY0ZDSXNPUVR3a3VqSU9QR2pJTmdlN29IQm9nVWRBckJwaS1mYnpjUkdBajhDX2RIQTliN093M2dJUTlqWFNTUmpGdHlWTE82NWkyajNTcE15bHZfUmFlUTE2RTJZcFY5U0JEa2ZudWRiQmxwVEVwNkE4QW5aU29reVBna1dLMlViN1AtSTNHLVJYdDdiX3FucVdOSVZIQWJXaWMzR0JKaTlaeWRi?oc=5) · mainstreetmediatn.com
- 2023-11-21 [Robertson Co. School Board Unanimously Votes In New Director - Smokey Barn News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQU0ZDcWpWVmI1NUxVVEJaalZBOC1hMG9rZVRpRUdCd1BibzNHOFZXQ2MtVUdrXzNIUkpQTWxMam84WXpJQUJHUkE5ZHlTb3E0S1hxZkFkN0dPNEZ0Z2hNcnQyNXI4M0pLTWpCRkJ1WW4tR29UMVRVVGZ5ZmNYWkp6cHUxY0RaR0pudWJR?oc=5) · Smokey Barn News
- 2026-06-24 [29 Credit Union Professionals Graduate From Southeast Management School - cutoday.info](https://news.google.com/rss/articles/CBMirAFBVV95cUxQaWpNSnBVRW94T0dRR1FOZmlLNXhuMjNMbWVUbFZYcV9qX2pueDR0VFlmU0JzaldLUmljdjVWdUdUSmdtSU5DWjVZUnhocE5zdVdXOEtGdmFLaUdZTWVkcmpmMFRMei1kUF9mejMwMzh1eGthS1NNc0xTTm5zTzBHbkpGdHR1anZ0VVk1d3BOWE9odWFRcm43RFl4NEtpdndYVWRPVVlfcFZPMTRu?oc=5) · cutoday.info
- 2024-06-28 [Springfield First Fridays series with music, food, shopping continues in July - The Tennessean](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNY3dzWXFwdl9BbG5fenRTZ0NJeFJzdG1DLVFFOWJ1dlRNbFlGMDY1SER6TnlPdDRzblBaa0Y4ZWVJeFJUSTh4UXZjSElibDVVTjBNYVBNNnU4S0E4T2lWaFdkOC0yUlhNMVFVRXBXZWZ3UU5mMmc5dnRqMHIzUDZNQUxELWtaVUpQWTFFUUVraUJUNmF6alBudjJ6MEVJanJaaUk0aHljTVBQTHpSZDBqNkNjRlVmbGJJNl9VUENWWXBDNTFDZ0E4Qk1WYlFhXzRXMW5mbUU0X0htVTBjaVJz?oc=5) · The Tennessean
- 2024-12-09 [2024 Robertson County Main Street Awards Winners and Finalists - mainstreetmediatn.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOczNvRk0wSlhDaXRwVWhJVVVzR1B2dE1aYjNZMWl4VkRlSWZUSmtGVWJBcjRnQnVQTUdyclZMMnk5SFF3RUEtbTZVcXB0RkpoM3V1Vm5sVC1leXVocGQ4MzZmc19oMkpPSWN0MWVIdGtka2ctVkdySGV1bDd6ZmdyMTB5RVhMMWZoX1VoTktFdWRQUmE5cmRBeHhWT0JuRkJoaGlnakJUUTlRb3FGQ1VjTkhUaUZpQ25vU3dmWUhyQmJOdmZvd3hEZ2RjNFVMcVg3cDc4?oc=5) · mainstreetmediatn.com
- 2019-04-10 [Bonnette A. Dawson, President and CEO Old Hickory Credit Union - FOX Sports Radio](https://news.google.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?oc=5) · FOX Sports Radio
- 2019-08-25 [Smokey’s People & Community News Across The County Aug. 25, 2019 - Smokey Barn News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQbUxRUjRUam01S2NYVFlITExrbGJxcHQ1RmZYdzh1SWRIN0JHa1NzN1NtbVZUVFVSM2puX3BockUzbU5OcGczZUNWWTBOUzZQYmFRYjRHd3BVb2hrclY3RkdqcjdjMnhQN2tKVnh4OF9YMWJScFBOMGdkcnZYT25Hcy1xOU5uMlkydHgw?oc=5) · Smokey Barn News
- 2022-01-12 [Two Robertson Govt. Officials Pass Away, Both Men Leaving Incredible Legacies - Smokey Barn News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQV9tUzFRaW9vVkoyRDhaNUJ2eEo0S0U2TTh4WTFBeFpFVWZ3aFRpb2c5a1FxTUtoSFpJWElHWXJHcXYtSU5qLTlqdmd4d3o0TjRyaFdrMlZ1UVV2VXMzOFdiSTZqdlMzc1F6SUw4U05IczVCckF1dktSZDdwblpiME5UUlhYUE5LUUl1MjBLT3lNUUVNa084N3VVNTlhWDlo?oc=5) · Smokey Barn News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67741 (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/29.json (key "67741", 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=67741
- 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