# KNOXVILLE TVA EMPLOYEES
Knoxville, TN · NCUA charter 68085 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/knoxville-tva-employees-68085

Who the members are: state charter, organized 1934, low-income designated. 308,760 members of 1,169,312 potential (26.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $5.23B |
| Members | 308,760 (6.5% YoY) |
| Full-time staff | 655 |
| Net worth | $557.2M |
| Net worth ratio | 10.7% (p49 of band) |
| ROA (annualized) | 0.69% (p50 of band) |
| Total delinquency | 0.33% (p18 of band) |
| Net charge-offs (annualized) | 0.61% (p60 of band) |
| Loans / shares | 93% (p73 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 2.38% |
| Net interest margin | 3.35% (p52 of band) |
| Operating expense / assets | 2.44% (p16 of band) |
| Vehicles % of loans | 56% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 372% (p93 of band) |
| Vehicle delinquency | 0.39% (p26 of band) |
| Vehicle NCO | 0.85% (p42 of band) |
| Repossessed % of vehicle book | 0.09% (p57 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 83% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 33% |
| Average share balance | $6,317 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $24,629 |
| Loans granted, annualized | $1.48B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.9M outstanding purchased (0.5% of net worth), $515,088 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 10.4% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | thin capital |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | thin capital |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | thin capital |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 5 | thin capital, net worth falling |  |
| 2018-09 | 3 |  | thin capital, net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | thin capital, net worth falling |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | net worth falling | leaning on borrowings |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | loans>95% of shares |
| 2022-06 | 3 | loans>95% of shares |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | leaning on borrowings | thin capital |
| 2023-03 | 2 |  | leaning on borrowings |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | loans>95% of shares |
| 2026-03 | 1 |  |  |

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

- 2026-08-17 [Vote for the Knoxville TVA Employees Credit Union top returning girls soccer player for 2026 - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOODg4aUdWZ2ktc3lOZjdfWFVHbUxYYXdKRXpvNWwyNmxDc0cwTWI1OWFfSTlwaXBHYXFxQms5NVdMMjQyVTI3blFxbGxFQVJNOXdRclI2YW9aVC00TnJOdmdXaDU0NTkyd1AyWW1LX2k0Y1ZpUkZ5VVBYaWFLb2ZPbVpfRDc5b0dfV1k4RWNWWnY5SF9iblc3STViQmVySE5QVEpuSkFkME9iYmlmckx1MmlGRG91ZTB5R0lKOGlhTkVSaGg0WmtlVTdpUXFEbmhjZmMtakdtaC1tZTdrU0EzLS1zMUFRQURo?oc=5) · Knoxville News Sentinel
- 2026-04-15 [ETSU renames recreation field to Knoxville TVA Employees Credit Union Sport Complex - WJHL](https://news.google.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?oc=5) · WJHL
- 2026-05-02 [John Grant Redwine III Obituary May 2, 2026 - Mynatt Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE01cVhNSUFrblppMi1zczN6MHNDdzBDNXBuUUxJZlFnNzhnOFU5UFlDdTV0Yi1zV05XQXhneThER1JkYzd0eGNpRnlJMTFaOGVaOG1vOEtWYWFnMlRMQS02SkhB?oc=5) · Mynatt Funeral Home
- 2023-10-04 [Knoxville TVA Employees Credit Union announces new CEO & President - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZnVUOGIwVmlDUlZGOHJpRjlFMGlFOWZ2Z1RJcFY5Y3E1MkVtT254SDVXSzBZMFFfeEYtOURJZUV5N2F4YlhrSHFsTm1XSzNROVRBd2Y5VFJTT1BON1M0RUl4QjRBbjV1OHJxN3B1QU0yUkQ4UmpVbnRPVkhDempBX19JVGtTTGpCUlF2Wkd6RnRIa1J5Ti12S1BHU0JCVW5pc2xMNmp4RUk?oc=5) · CUInsight
- 2026-06-10 [Best Certificates of Deposit (CDs) in Tennessee for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9YRE4yYmstNmRTSzAtVVZtdnZJVGZRXzFSMmp5NV9yTGFoS0o4ZmgweE9udlVIZ1Y4LWE4LTdiRmhHUVpxZnk1SW04LWdQZHQ0dnhtR21YaDJJb3FkYnhpWV9wallmQmdX?oc=5) · MoneyRates
- 2023-02-17 [farragutpress - farragutpress](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9kbVF5c3NCWEpPZFlvdlNyZERoUTJUZ3A0XzV2eTVEVDVyb2NRNi1wdElUOGZTTndVajVEQll5MXQ4YmJWLW5CQW1jUHpzUVk2ZzhraWZrUmZrbG1EblNzOFV3?oc=5) · farragutpress
- 2016-09-17 [Knoxville TVA Employees Credit Union warns customers of scam - WVLT](https://news.google.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?oc=5) · WVLT
- 2023-09-09 [Knoxville TVA Employees Credit Union announces new president, CEO - The Daily Times](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOR2ZwaFFaenJRWnVodHNTR3RrQktvRk1rYUxBTEpyZkRfQlRTN2dWV18tc3lxenE5ZC1kbE5Jek1MZkY3eEZUcWpTV3ZNc3ItX3poN3ZiOVZGaTBkX2J6Z2h6RW1GdzhPQk1Sb0c3TUNjZkNzSDNpeE5TTUJwTTFlbTJ1UGtycmItM1N0cE5Qa1BEaGVFbDVoQmNlVmMzbXFlVlRhYjhVMkpzaHhNOGFVai1MX1NQLURxZTh1MVA3Y3hGWllaMTlPWndad1hDLWV4RXhlQ3RWUEdHMElfYmhoQW80UQ?oc=5) · The Daily Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68085 (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/53.json (key "68085", 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=68085
- 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