# EMPLOYEE RESOURCES
LAWRENCEBURG, TN · NCUA charter 67789 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/employee-resources-67789

Who the members are: state charter, organized 1964, low-income designated. 24,812 members of 40,000 potential (62.0% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. 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 | $184.8M |
| Members | 24,812 (5.5% YoY) |
| Full-time staff | 57 |
| Net worth | $17.2M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | 0.29% (p24 of band) |
| Total delinquency | 0.51% (p42 of band) |
| Net charge-offs (annualized) | 0.73% (p80 of band) |
| Loans / shares | 82% (p76 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p43 of band) |
| Operating expense / assets | 3.66% (p50 of band) |
| Vehicles % of loans | 63% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.43% (p41 of band) |
| Vehicle NCO | 0.66% (p58 of band) |
| Repossessed % of vehicle book | 0.12% (p81 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 39% |
| Average share balance | $3,797 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $11,883 |
| Loans granted, annualized | $61.1M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, delinquency 2x band, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 4 |  | charge-offs p90 |
| 2016-09 | 5 | charge-offs p90 |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | delinquency 2x band |
| 2017-06 | 8 | net worth falling, margin squeeze, delinquency 2x band, members leaving |  |
| 2017-09 | 7 |  | net worth falling |
| 2017-12 | 6 |  | margin squeeze |
| 2018-03 | 6 | net worth falling, losing money | delinquency 2x band, members leaving |
| 2018-06 | 4 |  | net worth falling, losing money |
| 2018-09 | 5 | delinquency 2x band |  |
| 2018-12 | 4 |  | delinquency 2x band |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | repo signal, charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | net worth falling, margin squeeze |  |
| 2020-03 | 5 | repo signal |  |
| 2020-06 | 4 |  | repo signal |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 6 | capital below 7%, net worth falling, charge-offs p90 |  |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 3 |  | capital below 7% |
| 2021-12 | 2 |  | charge-offs p90 |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | assets shrinking, loans>95% of shares |  |
| 2023-06 | 1 |  | assets shrinking, loans>95% of shares |
| 2023-09 | 3 | delinquency rising, loans>95% of shares |  |
| 2023-12 | 1 |  | delinquency rising, loans>95% of shares |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 1 |  | net worth falling, delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2024-11-16 [Sharon Cluff Fussell Obituary Nov 16, 2024 - Heritage Funeral Home & Cremation Services, LLC.](https://news.google.com/rss/articles/CBMiYkFVX3lxTFB5WFNmQ1dHQUNidERKZHlGeFZFSXdXM0kyX3pSeXJ1djdYRld6SF85NXFtVE9SMEdRak8xQWRXS3NCWi1yWThQLVduVS1lSHBSNHVvcDIwNHdYOGlFX0hVcG5n?oc=5) · Heritage Funeral Home & Cremation Services, LLC.
- 2026-04-17 [Lawrence County 2026 Main Street Awards Finalists Announced - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMiywFBVV95cUxPTFkwQ3FXTUlsQ01nVmxUbkw1UlNNZHZISm5MZG9iYXNNVTA0ZWF6cEJ6cDVOcGZ2NjlzbW1YSUtRN3VSalNIei1GTmRGcVNUR3lMbm5HZnc1eFVkTWI0eG8tQ2lEVnVlbDJCNVpacWUzTEdaYkZhUm52SzdCdlM3UDhUVmxXTFpMU2wzanRJWTEweWFJdGpiZjhxLUsxZVRQal9rZk5tTGtGTldKTXh5cHBpRzNZcDg5NXNCUW0xa3FfRU1Pd05XbEQzWQ?oc=5) · Main Street Media of Tennessee
- 2013-03-09 [Hohenwald woman charged with credit union theft - columbiadailyherald.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNQzQxN1FxWG0wSS05MlFrMHNOQ205eGNVM0JleXp5R0I1dExIbWxzRGF2MXFFU3c5Ylh3SVdicmsyUTlvSkhPTGFOSEc2TlFLN1o5Wm0zdzlSTlpHUklvcS02TzFnMTdNNTItalNaR2h4M0tZdWZjdE44Q2NIMWducFA4d2IyWnpWb1JDOG9Eb0FvVDlRLVFZbmV5dXZTRUMzVXIyNkpVSmRYUEItYlRuajZB?oc=5) · columbiadailyherald.com
- 2021-04-26 [Tommy Christian Obituary - Lawrenceburg, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQblJXWWNPLVRTTUlKbEg3dGlkWG5UOXBMYl9UMjl1NHQ0NXgtVE10NExiM0VVOGgwekwtNTRvMTNDWDZpemJNYktRTk9uSGlRamxnclIteHBxd2stQUMwczlWeDg4ODRjNUFVbDJsaFdVZXpCMzBsUFhFaEFXQXdJZlRHWWw1cXpEUmZB?oc=5) · Dignity Memorial
- 2016-12-22 [Community stands with Murfreesboro teen who lost mom - The Tennessean](https://news.google.com/rss/articles/CBMisgFBVV95cUxQLXJHNzBIWUd0VW1sUWM3eWx1U2lqVlJCR24tOUE1cDl3d1dYNlNFV1BXcGZuWWJ1Uld6Q290Vm9uY3FmVWUxTy05UEVGSGZnTEUzakk4YnpuaE9LTW5yMXhxVWlGVDA0cjBqaE5HWkp5NnB5bFdVMThzMDY3UG1GaDBiREJQMVZvVTItY09VaXd1OHJwSmpQcFNpVFctaEstb0dEVEVCS3pyVjdxZFliZzFn?oc=5) · The Tennessean

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67789 (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/13.json (key "67789", 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=67789
- 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