# APPLIANCE
CLEVELAND, TN · NCUA charter 67976 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/appliance-67976

Who the members are: state charter, organized 1972. 1,963 members of 25,000 potential (7.8% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $17.2M |
| Members | 1,963 (-2.1% YoY) |
| Full-time staff | 4 |
| Net worth | $1.8M |
| Net worth ratio | 10.3% (p18 of band) |
| ROA (annualized) | 0.15% (p30 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.42% (p73 of band) |
| Loans / shares | 32% (p16 of band) |
| Cash / assets | 50.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p30 of band) |
| Operating expense / assets | 4.05% (p61 of band) |
| Vehicles % of loans | 61% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p86 of band) |
| Vehicle delinquency | 0.73% (p58 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 8% |
| Average share balance | $4,662 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5,772 |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $4,663 |
| Loans granted, annualized | $2.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5,772 outstanding purchased (0.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **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 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling, members leaving | delinquency 2x band |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 2 | assets shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling, delinquency rising | assets shrinking |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 3 |  | loan book shrinking |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2021-09 | 3 | losing money | 3rd-party paper>100% NW |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 3 | expense trap | delinquency rising, net worth falling |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 3 | net worth falling | expense trap, delinquency rising |
| 2022-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 5 | repo signal | delinquency 2x band |
| 2023-06 | 3 |  | net worth falling, delinquency rising |
| 2023-09 | 2 |  | repo signal |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 | delinquency rising | losing money |
| 2024-06 | 4 | delinquency 2x band, loan book shrinking | net worth falling |
| 2024-09 | 5 | losing money, assets shrinking | delinquency 2x band |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | net worth falling, members leaving | delinquency rising, assets shrinking |
| 2025-06 | 5 | charge-offs p90 | net worth falling |
| 2025-09 | 4 |  | charge-offs p90 |
| 2025-12 | 2 |  | losing money, members leaving |
| 2026-03 | 2 |  |  |

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

- 2025-11-19 [Finest Winners - Thunder Radio](https://news.google.com/rss/articles/CBMiR0FVX3lxTFBGNmNzbkdmbDlMTWFnQ2pBYUY5UW1EOGgzTlVtUzByTW5jTVdrbUFsMlJubW1haDNrSWpkdnRCZExLeGtVREFn?oc=5) · Thunder Radio
- 2024-03-06 [Tennessee Credit Union leaps into the future - Williamson Herald](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOd1hGTkR2R0N4LUNEd04wWjNwMndWZkJrLU84UzRtNHJvYllyR0pIQkphQUplczFjV0lMQTd0ekJYYTgyRUdPSi05NlBGTG1zMkdUeGJ3djNKdkFBNEY0a24yQ1hyQ0U0aHI0RFU3ckdkMGkybldRbG5GY19IcWVhWXpIQ05MakNlT2pBcnVnM3VKbDV2ZW41cFQ0SUdCNHlObmRrc2lQQ2FGV2JpLW5LN3BJVW9hLVN6XzhWbkxEU2F5U1hQM1NkR3FVQTROanhETVMtQ01pcmFSUEM5Q1E?oc=5) · Williamson Herald
- 2024-08-26 [Donald Pippenger Obituary Aug 26, 2024 - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5vYldUaTNqVlZmSW9TNU1ULUY4UDZVQXFFdTdRWDFhMHMzM1N5dGdDY2REWk1KMktpaTJXbVhwRDhNb245WGE1RGFFcVJCSWwzR0lOSXVfR0VweVJiVlI0VjBjR2k2Zw?oc=5) · obituary.companionfunerals.com
- 2025-06-09 [Robin Bednarczyk Obituary May 1, 2022 - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE90TTRlWEtURXI2SHlFOXY1eDNaeHZnY2hwTEVKUWpWaDJXZ2tDeHFuNUdhalpKUEZVaFNIamhwMWlFZjJIQjNxb3lFejJLU3hMaTRfUW9HQzZkQlZkVmU4dmdMVnhRUQ?oc=5) · obituary.companionfunerals.com
- 2021-04-05 [Check out the Knoxville business professionals making big career moves this month - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNUTVmWFE0TjhqZ24zdlNNdGpGRDYybGZVNHlUY1ZYdFRNaHVQanNMTDg0RXFPTGM4dG0xY0FKbkxFeDlYTjdRTDg3c25qbWlLelpmaDJkNFRiSUl0WXR3YUdLWG1SNnZfeUppMHEzdjlyVVpFVGwxLUxzb0xOM1MtcE5QdXRrUjRFX0hQSmVrYkhwMk1EczRYa0pyV0FDbGlWaG1jSHJzRnh4cnQ5NDNkdEZpZEVHeGhL?oc=5) · Knoxville News Sentinel
- 2022-06-25 [Paul Daniel Arrowood Obituary Jun 25, 2022 - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFA0QTFScVYwRDFpS2l3a0RLcWhZRGE3MnRGMVNUY0ZTSm90X3JQcVRaM3hfU2J1VElIQWpvZTJTZk4yUUpvRVhpUlJqeEI0bjZLQkpqb1BtTVVqSUZHOE1LUUlsODVxR25wWmNz?oc=5) · obituary.companionfunerals.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67976 (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/8.json (key "67976", 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=67976
- 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