# HIWASSEE RIVER
CHARLESTON, TN · NCUA charter 67946 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hiwassee-river-67946

Who the members are: state charter, organized 1969. 1,954 members of 5,000 potential (39.1% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.9M |
| Members | 1,954 (-3.8% YoY) |
| Full-time staff | 5 |
| Net worth | $3.0M |
| Net worth ratio | 10.7% (p21 of band) |
| ROA (annualized) | 0.53% (p48 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | -0.24% (p7 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 40.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.81% (p15 of band) |
| Operating expense / assets | 2.73% (p25 of band) |
| Vehicles % of loans | 38% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.15% (p38 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 29% |
| Average share balance | $7,636 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $13,143 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | thin capital, net worth falling |  |
| 2017-06 | 0 |  | thin capital, net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | thin capital, net worth falling | delinquency rising |
| 2018-06 | 1 | delinquency rising | thin capital, net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | thin capital | delinquency rising |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 0 |  | thin capital, delinquency rising |
| 2019-12 | 2 | thin capital, delinquency rising |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 3 | loan book shrinking |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 5 | delinquency rising |  |
| 2021-09 | 2 |  | net worth falling, loan book shrinking, margin squeeze |
| 2021-12 | 4 | losing money, margin squeeze, loan book shrinking | thin capital |
| 2022-03 | 2 | thin capital | losing money, margin squeeze, loan book shrinking |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 | assets shrinking | delinquency rising |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 | members leaving | thin capital |
| 2024-03 | 1 |  | members leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | loan book shrinking | assets shrinking |
| 2024-12 | 2 | delinquency rising, assets shrinking | loan book shrinking |
| 2025-03 | 0 |  | delinquency rising, assets shrinking |
| 2025-06 | 3 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2025-09 | 2 |  | loan book shrinking |
| 2025-12 | 2 | members leaving | delinquency rising |
| 2026-03 | 2 | delinquency rising | assets shrinking |

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

- 2025-07-14 [Olin credit union rebranding to Hiwassee River Credit Union - Cleveland Daily Banner](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPelNIZmlCMUVDQ083emozSTYwR0xMYTExdFVKQXJkcjBOUmY5TU9QdXdvUlVSbnZnWEFtbFJDV3JXc3VsVHc5ZGhyZFNpa21ORlNQdDBpZ3R6NEtCTC1DQVlwWGY2UnpaLVNKZFNISmpsT05McGptcmJRUVlkWWlkbVpuNHhxeDZTeWJxamk5NFM4TzlpWWl4cHFKT1ZDSVAxczktc3FQZkcteEdZajVpaHQ5VkxOMXhTMVpNV0d5U1d3c0xwOGtEM0dIdGk5U3QxcTFCbHZPQ2FVWVlZM19Z?oc=5) · Cleveland Daily Banner
- 2026-07-09 [Calhoun preparing for River Town Festival with revamped access point - The Daily Post-Athenian](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNXdrTWpzeTk0X19IbmgzM2ROT2hJZThTNU9Xd1Z6U2h5RC1JWkRYeUpnOXhwRDVzTEFBZzBzb19tSUZENVVDdlhHWW5qZ2hEa2dmZC1IemlwSklaTDhKSnFKM2FuOF8xaWhhWlk3R3JQOFozZUl0U0tMWW5yUXpUZ1hoOUNmZ3phcXZPOC1zRl9zdw?oc=5) · The Daily Post-Athenian
- 2025-07-20 [Calhoun announces 'Rollin’ On the River Events' July 26-27 - Cleveland Daily Banner](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOR2RXTXFVT3dTVUVyUC0yQlZXVWNIWkJnUXo5bnVwRm1MWURPMWcxNWlyT25EOTNjcFpWMzNSNXg1RVE1N3kxc2R2NGVEaUNNWE1neEhzcmFBcGJSX3BFNEY0eXFMMjctTkJmbWZTXzZieXVBcVV0cnhySG12UWpvMnhCN3h4WTlUQWdTUEltaDREaDlhSllfMkNpTTJTUmt3YzRlVWsycjRyZ0o4RVFabUhwUzNHdktGX3h0dm94UlhJRS0zbjhzZlBFbTNxbE9PdDZqbllfemxBZw?oc=5) · Cleveland Daily Banner
- 2025-12-13 [New construction at Lee University - Cleveland Daily Banner](https://news.google.com/rss/articles/CBMivgFBVV95cUxNeHJuR1lxbkdrdFVOVVB3akFoQUphLXlZYkt2b0NlM1JZOG9LQ2xOU3h3WlVKRFF3NVdBOUthSGNqYk14bk1sakduTUpCVUEtMzlYOHpxNzJLcjNTaXFXSHUtaXFDOXk4WkVHdHUtXzFrSjA1dF9pQVdzLUloLVBoUFNRaThtU2lwaEc3S1c3d21Kd04zWVE4VUp2UldtT05uRGo2UERoR0xpaGtDNUVfR0dPaXU4VGw1djZsaUZB?oc=5) · Cleveland Daily Banner

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67946 (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/42.json (key "67946", 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=67946
- 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