# KNOXVILLE NEWS-SENTINEL EMPLOYEES
KNOXVILLE, TN · NCUA charter 67947 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/knoxville-news-sentinel-employees-67947

Who the members are: state charter, organized 1935, low-income designated. 675 members of 2,000 potential (33.8% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *too clean*. 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 | $8.0M |
| Members | 675 (– YoY) |
| Full-time staff | 3 |
| Net worth | $1.2M |
| Net worth ratio | 14.5% (p62 of band) |
| ROA (annualized) | -1.07% (p7 of band) |
| Total delinquency | 0.12% (p16 of band) |
| Net charge-offs (annualized) | 2.78% (p96 of band) |
| Loans / shares | 85% (p87 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p40 of band) |
| Operating expense / assets | 4.22% (p72 of band) |
| Vehicles % of loans | 33% (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 | 0.08% (p30 of band) |
| Vehicle NCO | 0.52% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 16% |
| Average share balance | $5,865 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $16,836 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 3 | net worth falling, losing money |  |

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

- 2012-07-01 [Christopher Neil Armstrong Obituary Jul 1, 2012 - Mynatt Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5LUVNxZHZraUhFTlhkUFNHNEhtQmhSZXQzeDFnX3lNYmdOMURfMFA2Q3A2ckNqQjhSSkZoVURqeFIyclJ4WEZoM0J4MEFoZnlUY05YdUhUVVhiNHJMR1ZNQ1hpQ2ZkemdwdUI0bl9HVQ?oc=5) · Mynatt Funeral Home
- 2021-05-25 [Mary Cooper Obituary - Knoxville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVE5jekYxRmhjRy16Z0Mtc3o3dGp3Um9PdlU2X1V6amNWVTl3VGtzZjBWakJSQUEzYm9MUTZDMF9EMmttTmhSSmR0Z1NYbEp1Q1RSSnRHMjNaQjM0T1dmbzJ2djVxalFJZ0NfeEUxcEtMVXl6X3dQdzFCTVBZU3JtbnFR?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67947 (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/43.json (key "67947", 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=67947
- 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