# EMPLOYMENT SECURITY
Nashville, TN · NCUA charter 68074 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/employment-security-68074

Who the members are: state charter, organized 1955. 1,236 members of 5,000 potential (24.7% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.3M |
| Members | 1,236 (-4.8% YoY) |
| Full-time staff | 3 |
| Net worth | $3.1M |
| Net worth ratio | 25.5% (p93 of band) |
| ROA (annualized) | -0.34% (p18 of band) |
| Total delinquency | 0.04% (p13 of band) |
| Net charge-offs (annualized) | 0.36% (p66 of band) |
| Loans / shares | 41% (p27 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.57% (p34 of band) |
| Operating expense / assets | 3.38% (p51 of band) |
| Vehicles % of loans | 47% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 5% |
| Average share balance | $5,000 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $6,193 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | delinquency rising, assets shrinking, members leaving |  |

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

- 2025-10-05 [Linda Armstrong Noland - taylorsince1909.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1FQUFiem1fYXV4SkVvcnZqRGRqS0s3SHBXTEVUclhrU2ZzQVJJLUR5Y0xmNGV2cjI5MURFRk1Nc0o2QlFOMlN5QTJlTTlUV0ZpY1lOc3gxSm5GTVNvVFdMTTd1OXJtWVozMFc1UA?oc=5) · taylorsince1909.com
- 2024-09-29 [Elizabeth Louise "Betty" Schrimpf - Trimble Funeral Homes](https://news.google.com/rss/articles/CBMif0FVX3lxTE04dEQxLUtGOHRGNjlTNHVDWldDV0E1blhOWkRUVHNxb251RnFMWERobnBhT2RMYTN0dHRYbXliNUE3V0ZnT0tILXNkM3o1bVJOVTcwMFBsaEJhLW8xNHlHbnNicnV4dktxcWZMTUxBbVBfZmxTQ2RCenkyZTBKX1U?oc=5) · Trimble Funeral Homes
- 2025-02-17 [How to become a certified veteran-friendly employer - NH Business Review](https://news.google.com/rss/articles/CBMifkFVX3lxTE4wc3h0d19sSGZEXzR6d3ZvNXp2ZzJKYmtoNlFPT1FBZzI0MzlTQjRuZXh1cDlCeWJjeWo2YWcwcThYVWxDMFl4WmwxMi1tRzd5aXNNcVNwM3k1OVUycksyUkExUVJ6TlA2QWJXOGJLTDNsTlk1bXJVWEd6cm1YZw?oc=5) · NH Business Review
- 2026-03-10 [Leon Joseph Struemph Obituary (2026) - Lohman, MO - Trimble Funeral Home - Jefferson City - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQVmYweXdjU0JQclZnOFZYeFRSZ2s2TW9SS3Y5ZUMwNHczN2Nkamk2NjZfU0Z6VG13OVh6eW9Ua0hnUUhNXzNXajNuaFZzRDlkMkhtT3NoNTFCQVdTRU1ZRUZlbVNCLTRkY3BiSURHS1FxS1Z4T1ZHT29LeEhsN1loZHB3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68074 (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/42.json (key "68074", 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=68074
- 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