# CITY EMPLOYEES
KNOXVILLE, TN · NCUA charter 67778 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/city-employees-67778

Who the members are: state charter, organized 1932. 8,461 members of 23,861 potential (35.5% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 127.

**Verdict on the desk:** this could be *participation buyer*. 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 | $116.9M |
| Members | 8,461 (-0.4% YoY) |
| Full-time staff | 20 |
| Net worth | $26.0M |
| Net worth ratio | 22.3% (p97 of band) |
| ROA (annualized) | 0.85% (p61 of band) |
| Total delinquency | 0.57% (p46 of band) |
| Net charge-offs (annualized) | 0.32% (p48 of band) |
| Loans / shares | 70% (p51 of band) |
| Cash / assets | 44.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p60 of band) |
| Operating expense / assets | 2.21% (p7 of band) |
| Vehicles % of loans | 26% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 62% (p60 of band) |
| Vehicle delinquency | 0.89% (p67 of band) |
| Vehicle NCO | 1.04% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 60% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 16% |
| Average share balance | $6,215 |
| Participations bought / yr | $3.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $24.7M |
| Loans outstanding per 100 members | 127% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,824 |
| Loans granted, annualized | $10.7M |

## Participation posture (from the same filings)

Bought $3.4M and sold $0 in the latest annualized quarter; $24.7M outstanding purchased (95.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.9% 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 2 | margin squeeze |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 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 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-02-13 [City Employees Credit Union appoints James R. Carroll as new President & CEO - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxOcnFzdHllUGVaN2gzMHBQU1pGM1ctd042SDVad2w0Zmt4R2FKb0FPdGpaSFo3RjBkeTNqeDFRdUpiMG1yMjVUTXNDTktfSGtheFJEcF9GZEtibXkwRl9YMmJla2l3WUhEeS1CVmJtb1VyVzh2aVpyQ0pBUGN2QVlzTGZXakVQczJwa3NRT0tIX0RZamVSaWpNY3VjejlNQlBNZ3dSRUdnYlc5bG8zZ3ZoZjVfZVA?oc=5) · CUInsight
- 2020-02-07 [Memphis City Employees and local IRS employees credit unions merge - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSnVkb3FUZ2VmT0JqYV9EQ1lrUy1EQlVRY1lGMG03MFgxQ2dkZXZLRzJDTTVia0h2dzVKS0hiYnpmNV9TbnozRXM3RmNOb3M5bmhMMWVSX205eWlxQ25VQ0dBQnBISkZRUjhtTElaUnBpMmtSbTJKUWRRNG1MbkczRmdjLU12RWNSenpZTDEtOElCUm9WUnlSanRkTEZ6X043UlpYU2RB?oc=5) · The Business Journals
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2024-06-14 [Suspect in Knoxville bank robbery also robbed banks in 2020, court records show - WVLT](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZWV6cmVwMmFzcWFMV3B2LWtyR3h3YWt6OGlmRy1YSWw3YU5MQkNBVk5wTXAwWDBUZ2JIUUVqY0VtVUVEdFNSMVBheDNWTmZKYXFway13NmlNVmtuN09TWDRhVmRMT0ZQWURJVE1UODMtMHB4Vm5uMVViYzdEZHY5Y2VmdmxwUU5HT19aandBQmNoR3otUEhrbUw4WVU4LVctS016ZERB0gG6AUFVX3lxTE1STDI0d1dhd1hhamFQazFfbElTSXByUjRZTjA3eHIwM1VWNEJRSjFMdFhKbTVDQW0xQS1fS1dDUDZZYzV4aElfRnhtVWthWnlFQ19YRVdBY01tdl9wQlVxVHZFU050WGJiUnVndW9ENkJDRnRySnBaMU5YTnZrc3dObXFud3RIcjFpaXAwbFI4aGplSHhUSmpZV19pSmdvWFh5LU5RQzJMRUlUNEZ5Y2Q5Q1hjMlFaVXIwUQ?oc=5) · WVLT
- 2020-10-21 [Edith A. Faris Obituary Oct 21, 2020 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTE9PRUs1bG0xdldlM1FKanBVN2dUQ21mNDM4dWRXNGgwMzVYQmhXcWtlQ01maFE3MEdkQ1BrTHhycjJqYWdDUHh4UGZaSUw5UUc5S284cW00a3NlXy1vRFI2cnhMTi1zNXk2MVd2bXg5b2hkZVZB?oc=5) · Shackelford Funeral Directors
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2023-06-03 [Donald Bruce Massingill Obituary - The Commercial Appeal](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAtaU9kN1I5MllDOVVlTjJfYk5vQVZyNTdVdkdRb3pDckRlVi1uaEFZNnpHVGRNWVFJdk5nQ0Z6dHVwYTdLcTVnZG9JZlhoN2hrNVZIZmx1MEdwSGpfZzUyOVZqSQ?oc=5) · The Commercial Appeal
- 2024-06-14 [Man arrested in Friday bank robbery has lengthy criminal history - WBIR](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQbmlRb0pBSEdJdXNfOXVObi1NQWpRTDZ1WlV3dzBRVlo5NGdGTXlqS09MRkVZcWl4bnZwWEhEZlNaV3BSdHZ6SWtDSTdmWEQxV2FCS3lRTDIzN0pZeWpqUG5SU1pnOElaZ2c2ZHRyRE5XajVTUmV6T05QUHZycVJpUW9LcEVOQ2FOc2pKOEstVzAtRkVlSzZxRlpjTHJaMGs1aDlxcGhYQWlfT29Qd2x0ZjZOTnBEYk9CVW1QejVwR2F3Zw?oc=5) · WBIR

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67778 (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/2.json (key "67778", 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=67778
- 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