# M.P.D. COMMUNITY
Nashville, TN · NCUA charter 67979 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/m-p-d-community-67979

Who the members are: state charter, organized 1966, low-income designated. 2,953 members of 11,812 potential (25.0% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *ordinary*. 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 | $40.3M |
| Members | 2,953 (0.4% YoY) |
| Full-time staff | 10 |
| Net worth | $4.6M |
| Net worth ratio | 11.3% (p25 of band) |
| ROA (annualized) | 1.13% (p75 of band) |
| Total delinquency | 0.60% (p48 of band) |
| Net charge-offs (annualized) | 0.57% (p77 of band) |
| Loans / shares | 66% (p61 of band) |
| Cash / assets | 36.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.72% (p80 of band) |
| Operating expense / assets | 4.66% (p73 of band) |
| Vehicles % of loans | 57% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p89 of band) |
| Vehicle delinquency | 0.01% (p32 of band) |
| Vehicle NCO | 0.87% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p91 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 12% |
| Average share balance | $6,794 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $187,739 |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $10,493 |
| Loans granted, annualized | $7.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $187,739 outstanding purchased (4.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2019-07-04 [Nashville police officer dead, 17-year-old girl in custody after fiery crash - WBIR](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZS1vNzZuTGpjd2JteE5OYm5tWDFibF9xcE1lb2ZqOUlpWkRFMHM3MVFidkNoYWhZWXIzLXdZWTl1aGVDek1WU2VieC1HLXFMOEVMekl5a0lYcGt5bnZZcFJwajRUa2x1WFg5T29IRXZVS1lRbEY4ZEJJNzFRY3UzaFg3N2hTdnpFQlZxMmhjVVF4cVVCYktjdExFSVZjWTNWSy1ZVENoaEdramZWOHp1SHo2QUpwSHplLUlUVUJmR1FkdE1Yb2xoTExZQzl0Q0VtdnZvdw?oc=5) · WBIR
- 2019-07-05 [GoFundMe started for family of Metro Officer John Anderson - WZTV](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTkdZSXhTZVcyZ3hGaUhlWGFzZTZJeU1TMUpNT1VSWm94WUxsemlIa09BS2FGNDdHWEdHZUhockQ4TFJMNEpuRXZsMWx2a1planltNkhoVEtCamU5MTc5c3RSUkZlM21zWkNtWV84WDl1Skk5Q3Q0S2N3QkRwRWJQV29rQTV0dEN0cERyRWN4Z3Q?oc=5) · WZTV
- 2025-11-20 [Stuff the Truck toy drive launches 7th year to support Metro Police Christmas program - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNZ01mSk5JaWZxc0pGQnlnUHRIcEdyTUhuZnVLYS1YYUJuTnpJV2NxMkFHcDJvU2h0T3RHVkc1czI2UDF5SU1YZUNDdE84MEFFSU9EeHZqSVdiN1F0akNmQm43cDN5TVJGOWU0QWw5OWN1UEVwOXk2Rl9ZVW9ldHBWM3BOTVZDUnFEak1ZYWs3WmJDR2JmSE5LZk1xdTJheHlOaGNDMDlhWlN2bGN6ellNOG9MVkYwNUdiM2ZZ?oc=5) · News Channel 5 Nashville
- 2017-10-27 [GrooveCar brings on 25 new credit union partners in Q3 - Auto Remarketing](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc1hHdERaTnQzbDZKbEVObEJXb3BzTXZIQXdxajFVQXJSeVBtTmFjc2RNV2NzR0E5eVZkQklJZ3RQYTBvRGFaLVpXR0k0M19SSkR1MEtYdEx0SGVIN2tMeXZnZzhfMXdtLW5fTGxOeUNLYjZUdzNNYlJLTUU5QUk4WmxQbVZpUnNIQ0R1eFJXMHB3SFFi?oc=5) · Auto Remarketing
- 2025-04-10 [America's Best Regional Banks and Credit Unions 2025 - Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU3h5RW1VTUtjSG1vSmRwSGo1RXZjdlFpa3F6NjhOU2EtRW9HR1ZndlZwTE94dlJBQ19rekotdVlCXzYtUUk2TWx4clNNUEhwXzZpckQ4bE5XNlRFOENBUklEXzctam1yY2hJc2otQk5NdWpVeWxKSHk1VnlsU0FiVnAyTmU3d1dfUzAxOGVQd1M?oc=5) · Newsweek Rankings
- 2019-07-04 [Officer John Anderson played hockey, was a familiar face in Smashville and honored officers killed in line of duty - The Tennessean](https://news.google.com/rss/articles/CBMiygFBVV95cUxPY0ZTeGxnOTdXVVBiV0h0WjlsNXh0R0RFNklMaTN0UHExd09ucjNCNklMcG1CbGN2SHhFQVNVcHhuMEVGRGl1T09VV1h0dGM5X2ZPMHc3UmJKOTd0WU5xQm95YVdwazhsbWQ2eEozX2owV3VjRDZKTnZsVnJ5cUR4RWJVQU9TWEE3U3NrOHZwbXc3eENBZUJtMjRDbzZxVExoblJNeF96UV80SENsVEtxSGtNVVVTb3c4T0JFNXEyUFdmZldCZk5GX3Nn?oc=5) · The Tennessean
- 2009-06-04 [Kay Holder Obituary (2009) - NASHVILLE, TN - The Tennessean - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUWhKMHlLVUFOb2NOT20tbVdqU05kYm9IREg1dHlLbWhMRFdGY244TFkzRnhMdmhfQjZKcU0wUHNKUkFCRU5FRGJOcTI4UFlDbVRDa1NLSWdXbE9taDNTTUU4c0pwRE9nVDUxYUktQTNVN3k0Wk5JbHkwVERUNUdYczFyTFI4WGdJUlp1Zg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67979 (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/11.json (key "67979", 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=67979
- 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