# OLD HICKORY
Nashville, TN · NCUA charter 67982 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/old-hickory-67982

Who the members are: state charter, organized 1934. 21,656 members of 750,000 potential (2.9% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $346.0M |
| Members | 21,656 (0.3% YoY) |
| Full-time staff | 79 |
| Net worth | $35.5M |
| Net worth ratio | 10.3% (p33 of band) |
| ROA (annualized) | 0.76% (p56 of band) |
| Total delinquency | 0.76% (p63 of band) |
| Net charge-offs (annualized) | 1.15% (p93 of band) |
| Loans / shares | 71% (p44 of band) |
| Cash / assets | 13.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p80 of band) |
| Operating expense / assets | 4.26% (p73 of band) |
| Vehicles % of loans | 43% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 178% (p76 of band) |
| Vehicle delinquency | 0.50% (p46 of band) |
| Vehicle NCO | 1.94% (p89 of band) |
| Repossessed % of vehicle book | 0.25% (p89 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 14% |
| Average share balance | $6,906 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $33.2M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $22,007 |
| Loans granted, annualized | $73.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $33.2M outstanding purchased (93.3% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | 3rd-party paper>100% NW |
| 2017-03 | 4 | net worth falling, members leaving, 3rd-party paper>100% NW |  |
| 2017-06 | 3 | delinquency rising | thin capital, net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | 3rd-party paper>100% NW |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 3 | net worth falling | delinquency rising |
| 2019-09 | 1 |  | members leaving, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | losing money, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | net worth falling | losing money |
| 2020-09 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising, net worth falling |
| 2020-12 | 4 | thin capital, delinquency 2x band |  |
| 2021-03 | 5 | net worth falling, margin squeeze | charge-offs p90 |
| 2021-06 | 3 |  | delinquency 2x band, margin squeeze |
| 2021-09 | 3 | delinquency 2x band | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | net worth falling, repo signal |  |
| 2022-06 | 3 | charge-offs p90 | delinquency 2x band, net worth falling, repo signal |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | delinquency 2x band, repo signal | charge-offs p90 |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 4 |  | thin capital |
| 2023-12 | 4 | assets shrinking | delinquency 2x band |
| 2024-03 | 3 | delinquency 2x band | delinquency rising, assets shrinking |
| 2024-06 | 2 | charge-offs p90 | repo signal, delinquency 2x band |
| 2024-09 | 2 | repo signal | charge-offs p90 |
| 2024-12 | 3 | delinquency 2x band |  |
| 2025-03 | 6 | net worth falling, delinquency rising, charge-offs p90 |  |
| 2025-06 | 5 |  | net worth falling |
| 2025-09 | 3 |  | delinquency rising, charge-offs p90 |
| 2025-12 | 2 | charge-offs p90 | repo signal, delinquency 2x band |
| 2026-03 | 2 |  |  |

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

- 2026-04-29 [Mary Langford Obituary - Old Hickory, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPVTQwV0FKZVdhbFdiRDhYSi0zbnRhV3llZjdrTmFsVUlKUk1tWW11M1FiUmZfWkJXcmNFWnZ5S0xEalotd0ZoM28wNnRnRGZpWE1QM2FZVnlYQzk3QWhYeXJoOWx0VDhyTFp3R2NqaTkyOEp2aXRKT0VRbFlUZ2U5Zm13UXQ1SEU?oc=5) · Dignity Memorial
- 2025-11-03 [Betsy West Obituary - Goodlettsville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUFVQUkpfSDhvZVItMGlScTdNd2FXNU5ad0NXZ1MzMVR5VHpIeUp1dVk5b0dXMWJhOVU2Z1ZyMDFmLWNPYVd4Q0tyalk1eG40cy1xQ0h2Q0E5cGE2QTBadnQyeUdzekFQbWJTcmVnbGs3cTNkeVdkMEEtbnJDeUdQbFZFZXJSX2c?oc=5) · Dignity Memorial
- 2024-06-18 [Dirk Davenport Obituary Jun 18, 2024 - Hendersonville Memory Gardens, Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiakFVX3lxTE5vc1d1UENqNGphd0RkS2tXWVNOLVowTE5laFhTMEp1d21FM0IwQy1oRFROZTFlLW5KUzJiRGtpYmdFcEdmUFBLRXVlR0dCTWxQM1hybWF0eUtBWTZtR1Zha0twYURuYndLUVE?oc=5) · Hendersonville Memory Gardens, Funeral Home & Cremation Center
- 2017-05-05 [Greenbrier Mayor Inducted into "Tennessee Credit Union Hall of Fame" - Smokey Barn News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOX1VLMVdSMVFlaDJsT29sNXhzTjVnQ0ZQRjF6VVo2bDQwb0JDN040UldHMHNJa0dQb04wd3ZXSkJ5X1ZISklScHEwZk0wUDRGcEpzWTZ4d0Vzb0t5Tndfc2xwcXU1N0tDSG55dm1ZTzFYbldOdWVOVGRlNW1mdnVJZnF4MmJUanBVTjgtaEItc01IcXd6?oc=5) · Smokey Barn News
- 2017-08-30 [Old Hickory, a DuPont company town no more, is headed for rebirth at 100 - The Tennessean](https://news.google.com/rss/articles/CBMiywFBVV95cUxPYTRYX05MNWhFeXFOVkk4UGhjci1FTGtmN1J2WW93WG5teVl2UDFpcDhEb0JaUDdPaVVUY1dGcDJXbWRxWm9pampRNjFXN0l5SWUwYXZpN25JODE1Y0dYRGczZHhYZkhMRDByUnlZTWxIeGtoOE9Dd1g5SzJ1SDhNbUJ5YlI0a3dhbVIwcW10SnNoRG16aWFMV1VyVEV5X1FIUEtJUHNHVzYyMVUwU25BLUtPbEM4VTZTRHZ1X3lHZ0NFbkdJV2N2X2d4TQ?oc=5) · The Tennessean
- 2024-07-21 [Donna Massa Obituary - Brentwood, TN - Neptune Society](https://news.google.com/rss/articles/CBMie0FVX3lxTFBObHlCU00wVDROa0I2M2xmVmpVQTNRZ09wdHJ4WWI2MUo2UklTWmFtSXg3T3pGcDEwLU4tdVVFSkh2SlZrRU9rUDJpMkowNXVfRTFxN1dmWjdSWnRLT0FCN0pINDZwZ2xJTzBGV2Zwc2RHdDZXNDNHdmlfcw?oc=5) · Neptune Society
- 2020-12-18 [Phyllis Williams Obituary - Old Hickory, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOaFloSHRSVFhsQThPQzU2cHg1TURNQklob05WcGhkUThia2M1b3FVVnBGS2M1clhFaGpkWDE2dXA1ZGRUX2RoMG50THN2LXRVelljSU11TEVfY3RuSnRuWkwtVW5qZmk4Z0ZDdS1QSnY1dlU3Mk4zS2FyY2huQW84d1R5LWxIS3E1aWc?oc=5) · Dignity Memorial
- 2014-01-19 [Wilson County rallies to help family after fire - The Tennessean](https://news.google.com/rss/articles/CBMisAFBVV95cUxPQjl6WWstSHpSNjJXUHdzOGNLTnotS2hqcW8zZk1QRUhpM0NWUV9XUEZuRmRFZFRna044bWJ0bUcyNUEyX1FLZ2d6Uk5UallfXzFSRWRDUnI4V3lmR2I5dmltRm5wb1RRLUhXS2ZxMFhxM01KN0tucENQREp6YjdIcUZaaVE4VVZYWnVmUmxqM2NleEc0TU5rVzljNUhOSWNCdUpjOXhNQlJwVU1uMV9rbQ?oc=5) · The Tennessean

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67982 (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/14.json (key "67982", 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=67982
- 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