# TENNESSEE DEPARTMENT OF SAFETY
Nashville, TN · NCUA charter 67971 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tennessee-department-of-safety-67971

Who the members are: state charter, organized 1971, low-income designated. 1,677 members of 1,800 potential (93.2% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. 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 | $12.1M |
| Members | 1,677 (1.5% YoY) |
| Full-time staff | 2 |
| Net worth | $2.7M |
| Net worth ratio | 22.6% (p81 of band) |
| ROA (annualized) | 4.13% (p99 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 114% (p99 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.19% (p96 of band) |
| Operating expense / assets | 2.45% (p19 of band) |
| Vehicles % of loans | 82% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 6% (p89 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 24% |
| Average share balance | $5,284 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $16,353 |
| Loans granted, annualized | $6.3M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | members leaving |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | members leaving, delinquency rising |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 2 | loans>95% of shares | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling, loans>95% of shares |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | loans>95% of shares |
| 2021-06 | 3 | loans>95% of shares |  |
| 2021-09 | 3 | members leaving | net worth falling |
| 2021-12 | 3 | delinquency rising | members leaving |
| 2022-03 | 2 | net worth falling | loans>95% of shares, delinquency rising |
| 2022-06 | 2 | loans>95% of shares | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2025-10-07 [THP Graduates 27 New State Troopers - greenevillesun.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOakctSnh5M3g4S3dMUEVNWjlpS0JoZGVzT0NFX04yZ3RIQW1neDVMQ3V1djN0SkNSZHhpQlN3ZWZsa0FoZGVmZ2U4WjdCVGtNb2tna29OS2RiOS1oazE5SE1NLXpCaVFVSnREdUpiU2FsRFkwMTJGVUE1OGV2LWxMSGxfa19LZVItdmd6bGpGQjhZamJmY3U1eUZUa1ZIVzR5aVItQlh0anozZmNranRCbk1DYnJzY3lfTWdSV01Bb1NUaUpUU1VXam5LYTk?oc=5) · greenevillesun.com
- 2026-04-21 [Early voting has begun for May 5 primary - The Rogersville Review](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNDdfSEoyMVVVVC1sa1lZbkQyajBRVFdOWHdwcGVLTW1BSkhwV0hySVhoS1ZNa3RGYmVabTRpTnV1RjdvNktrcGlHYkVxRmpuTnZzbGRHUk5xSEgxZHVCS0pwczluTUMxdEJqWjhZSy1aS0wwSURGMGk2Q1BHQW9odUVtQmFGVFZYVGx2c2Q4Mi13azcyMnc?oc=5) · The Rogersville Review
- 2022-03-02 [Knoxville Biz Ticker: Massey Services acquires Mar-Von Termite & Pest Control of Athens, TN - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUGVDX2FXcFVjSHBwUmNCTkF0a2E1eEFpUmFmNlZPRFNFR1d2SFpGOWhmZHV4WWVHSnVINFpZYUtaYjdNWGlqX0otUzhic0JIU29zQ1VWMjdfREVXR3dkSV9rZWFEbHhlak9PNXQzYXZOM2hwVk9oRTdwSVJJaDViZV9wNkRIdUhYQ1dEdHdSSXltZ2taUGFQaXZ4RWJ0S0ZoQTVwQzRMVmQ3eGsyQURUZg?oc=5) · Knoxville News Sentinel
- 2024-08-19 [Tennessee Unveils Driver Licenses With Added Security Features - greenevillesun.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPeWFYRFBTdE92ZVBER2w2QzZCdEF6R1prMkhkUS05VGt5NE1OQzV5dkJTMDBuejhfSUtKT2gzLThKLTF1LXBJYmVramFUUUp0TzkwTnJKY3p2RVk0Tkh1MVRkTzd5N0dTX1JZSEdvMVhNSjVDcy04QXRrRXFfLU5FdDNYM2lXVTZSNTJOZVRmcm1icEwtSnBoMm02SWtiYTlVZmZmZ1Z3UUkxMU01Q0daaWE5ZUxYZnpRVGxuSGFRLWxjbWJoLWhzX2pEZ2Mtb3h5cHc3SmJZUVpSQ1c1NzFRZUNjZW5TSXdVTFd6dElQRU0?oc=5) · greenevillesun.com
- 2026-06-21 [THP: Vehicle drove over body laying on I-81 early Sunday morning - greenevillesun.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOeEh4RTd5SzNhNVBzMzlMb2l4U0dGZnhxQmgtWlBKUHZmNWd3MTZGdjJuMktQZXV2SWxUeFkwUXNtemY2bkY3amFyRHdLTWZKOEk5bVdmQ2FCaFJ0R18xUFdsR1lmYlFnZ09XUTdiaFl6SFR4YnB6Wml5d18yR3NJVWFKN0x4cE5HREFYQUJva3VjRlhQX21iVlpmSzc1ZVVPeUlOdFJyZnpsZGNVcVVUSFpDM2o2dDRaSjJ1QXB3WXF6M0t6WmNfMEdHSlRQQ19Xc0tsbHhZVTB0UHE2QW9aSDVyZHZobHBZcXNxSFZScmtkQQ?oc=5) · greenevillesun.com
- 2026-06-27 [Man who died on I-81 June 21 identified as 19-year-old Greeneville resident - greenevillesun.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxQcm1xWVIwMTlJcDJMcHNjem1tckthTUp5RXVjMmxNMmdEWUhxM2x3bmg2ZVkyakZOVUJtYjFiOVVJbEE3U2tPbVVZcmlmSkNzSkg4SzlfX2Z0U19XMDZrY2hzQkJYV24xdFdaQW1HV3BlZHprcjJGX1JqXzRwRzlsUDA1SmtWOVAtc01KdFh1Q1JvWDA0cFdKUEdCbjhuamY4dVkybkRhT3ZiTmtYSkZObWFnOVAwUkd6OE9mazc1WDRFTVJnVnRHVUNLY0h1eHg2MEVhbXJVdFFfN0pVX2R1bzBuOGl0RnE0Z0ViaFQ1N1BKQkQ2T0l0ekNjSFZYZl8yOVE?oc=5) · greenevillesun.com
- 2025-11-17 [Maryville Officer Faces More Surgeries For Injuries Suffered During VP Escort - greenevillesun.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxPTF9JamhzMHJRMXhDcm5RYzhtT2F3Y3k2WUt6bTZ0TnNJQWRqcWFzX1BGa3AzM3h5ZDgyOGR0YnFQTmxKdUFoZXZOSTJrZHRKZHAwbF85NTNrRGVWMk5YUXM1OU5SejVXdV90SWdiRE5iZEpNUjBUcnlPdjlvbFEwVnNjenhNblZ0b2gzRGtTRm1IRmxRX1RHRWplUDRXUVZDWVhDVVFuSF9scTV2Tm80OF92MWtaVWQ0Vm4wRDEtVmJ0NUVSbEFyMUxnMWhVNGExVWRVWHFIcHJEWFRaenpiT1M4SkNXbTg5WnBPVW5xLXVlZGNqaG9LMHZ4S3dyd0tCenljNg?oc=5) · greenevillesun.com
- 2016-10-07 [County Clerk's Office Now Offering Services For Driver License Renewal - greenevillesun.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQVl92X25xcC1CY21laUgxUmZDVE9zbHo1Uk55YWxUMmdsYU9XYkNGNlZMNVBXMmZzNDNteEs1NXUzYmRPWF9rTUZYZ1d2ZWZVR1lXODAzdGdMR25IbWZqeUlCck12bmlfVmJXUER2NkhpaHB2TlNXMmRvdzRrSG1GSHRzdlJfM1BJTzhHS3IwOFppeWxuN29zdEJJbWpBLWpDdE9ON1A4ajhicG9pSXZ1RjdpcW82X1ZWWGIwbVh3RkY3TnZLcUo2YVpmdUVUMURSMWI0TFhWdnlXOUxDZTRPQ0hqZWRlVWQ4MVV0NlBWSnZhS0hBR1REem9R?oc=5) · greenevillesun.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67971 (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/3.json (key "67971", 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=67971
- 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