# ST. THOMAS
Nashville, TN · NCUA charter 68071 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-thomas-68071

Who the members are: state charter, organized 1959, low-income designated. 2,417 members of 8,000 potential (30.2% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. 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 | $38.3M |
| Members | 2,417 (-1.9% YoY) |
| Full-time staff | 9 |
| Net worth | $4.6M |
| Net worth ratio | 12.0% (p30 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 2.59% (p84 of band) |
| Net charge-offs (annualized) | -0.03% (p17 of band) |
| Loans / shares | 86% (p87 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.73% (p81 of band) |
| Operating expense / assets | 4.41% (p68 of band) |
| Vehicles % of loans | 33% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.53% (p90 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 24% |
| Average share balance | $7,743 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $18,641 |
| Loans granted, annualized | $9.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2026-02-04 [8 things to know: Airline to launch BWI flights to new island - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQMFNWcXZ2akRfa0VQQjNiY3k5QUw5ci1lbkxmUGJ6cFpJSWlRNjNTSHpZWjdjbDE3cWxSWVV1MEZYblBBMFpFMzh3dURvSG5sOGRMY0dDVDhGVVFSbTVFeC1zODJ0c0thcEc4VU9tdldOTUdrOExMM2V4eVFzemptaW9PQnQteHl2LTBwVTJqQXBPVUJiTXQtTUkxUzZNbU9BZHZXLUt1U0Y1RGc?oc=5) · The Business Journals
- 2025-10-23 [Local credit union awards $30K in community grants to three nonprofits - The Virgin Islands Daily News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPU3VOZXBFODM1dTZnZVVBUFM3ci1pNjFwYVM2ZUx3cXphZGY1WFpUQkRBN2VvUTZMNGhJdzJBTTJsa2pMUUdPUFd3YTFlR1RILTg1S1E1QUpnUlFwY3VibnpmamsxdTgwX1dYbjgzRk5aaDZ1MGpHOFdTYUV6cHFqRzRQcU9CMHJMeWl6SmlpR1lVRWdBTXdSWXhCWnNQVVZ4eGZZX0d5Y0VnZ2ZlSWlWS3g0bFA4akpxa0x0aXg2U2duRmpKRFgxN1NBSWZuMEVlbWxTNFF5T01rYUpWcDNocHdVVG1KZFc0SGVKZzZDb3RycHVZWWc?oc=5) · The Virgin Islands Daily News
- 2026-03-27 [Schedule - FloBaseball](https://news.google.com/rss/articles/CBMiXkFVX3lxTE8tWVM4RVBORVBvSFF6ekg5bWdveEZLRnJ4Tl9BdWhTRjMycHNrQWV4ZlQ3cEpubVNxWWZqM0NxOEd5SWpqbzlZUXlkdVd3Ny1oR0RqQm9YSWJOLWZaTXc?oc=5) · FloBaseball
- 2026-05-12 [Montgomery County, City of Clarksville Planning Historic 250th July 4th Celebration in 2026 - Clarksville Online](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPV182enRJNVhOcFVTNEhfdkNrSVdIWFNYSHp6MFN1bElodXFiUnotSFpISHR2dnhreFNPWW1USWZMczRGUVpfMURrM3J1SEM2MGNoY281dnlWMVJMcHZsQUc2cXBMQmNJdjJKcHdOVTRPVzJtSGllOXo2QldORVRyQmtBWG42eWJGQklJMVZSU1VzZ3FYNHVqNW95OVVrUDk1U3lVc2czYUVNYkd5bVEwTkZsUzJEU1VaMHRBTTc1U3JvMmxISVdZTklZS0FhRHNVUXc?oc=5) · Clarksville Online
- 2026-06-17 [Clarksville Montgomery Co. to celebrate America's 250th with two-day event - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMizAFBVV95cUxNZlBFTC05VE5rSUs1Q29pNE51S29zTmZGWG05aUowOHVhekVULWxLd0JqQVIyampONW9WNk53bXdiZkRDLXRjZ1Z6bWRNN09SOVpnYVc5WWhKMjl6X2NVcHBQcHJlMGF2Ym9YaGNCY3F0b2UwS1ZHM0JVR28wbWNtVndGOEVLcnBTYWRZcUs2WGZ0aVBCeDFWMTNvLTRPeVJDdHo3OUdxSG9aczJ6ZGp3VUdPcXZYbXB1TEplaGF2NUFwZ1BGVTlrTnRmbVo?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2025-10-05 [Linda Armstrong Noland - taylorsince1909.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1FQUFiem1fYXV4SkVvcnZqRGRqS0s3SHBXTEVUclhrU2ZzQVJJLUR5Y0xmNGV2cjI5MURFRk1Nc0o2QlFOMlN5QTJlTTlUV0ZpY1lOc3gxSm5GTVNvVFdMTTd1OXJtWVozMFc1UA?oc=5) · taylorsince1909.com
- 2026-04-15 [Bouy ah bouy to feature strictly the best in King of Kings edition - The Virgin Islands Daily News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNa0MtNU5HT3F2VmZsWG5qRXEwMWF0MzMzdjJjYzZ1Zl9UTlZYSmFMTUhKcXkzdWVISnAwS0pCSWp2NlpLaDJrY0szLUhsZVEyLWRuRTVuSW5PdV93UlJXdmU5SThiWTZ0Qi1LRjU3VE1KM3J5QnBobWRBcjU5SHdGZ3pkVTZKd1BlVU0zWXVieDdJOEZpbzc4TV8yY0ppSE9vNm9yY2hMMVhGUzVHeHlpUV9tNzVTS1c5alJMNndoZk1pdm1IYVUzd0RQM0lrc2dCeVNwbEt3SnpsSUdJRllnSXdxR3Z3NHh1WjRoWkRscTRjdw?oc=5) · The Virgin Islands Daily News
- 2025-12-16 [What to know about 2025 City of Palms high school basketball tournament - The News-Press](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNZmZ6Y1NmVm5oZUxBNjJadUxJMGtYWnBMcGxpVkppUS1pUHZpZlBET2xtSGd4aGY4bXYtZFpOVm5nNFBuTTd0RjRaVmlwZTd6S3FlUllwZHkwVnBXemRFQXJnbzNsQXhOaUVzWlp6dXBPeDVPRllOUk51VlNHeGVNSDI3Q0FyWlFxT1JLdzhNNFlMVnNXX0w5S1BXNWVPUmE2bUxSWHNob0hxbDhGVzhNdVR1Qzk4SmFTVzk2UjdkNDk3X25kYkNONHBoZ0hlNERLMTRpcnZLVXlhb3E1T3lhbTJ0VldhSWFMMEVPMg?oc=5) · The News-Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68071 (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/39.json (key "68071", 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=68071
- 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