# TIMES FREE PRESS
CHATTANOOGA, TN · NCUA charter 68093 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/times-free-press-68093

Who the members are: state charter, organized 1966. 353 members of 400 potential (88.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.7M |
| Members | 353 (-6.6% YoY) |
| Full-time staff | 1 |
| Net worth | $641,155 |
| Net worth ratio | 37.5% (p98 of band) |
| ROA (annualized) | -1.46% (p5 of band) |
| Total delinquency | 5.30% (p92 of band) |
| Net charge-offs (annualized) | 2.11% (p94 of band) |
| Loans / shares | 113% (p99 of band) |
| Cash / assets | 23.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.68% (p89 of band) |
| Operating expense / assets | 3.76% (p60 of band) |
| Vehicles % of loans | 88% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.51% (p94 of band) |
| Vehicle NCO | 4.40% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,828 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $6,443 |
| Loans granted, annualized | $561,972 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, charge-offs p90, loans>95% of shares, auto monoline |  |
| 2016-06 | 3 |  | charge-offs p90 |
| 2016-09 | 3 | charge-offs p90 | losing money |
| 2016-12 | 4 | repo signal |  |
| 2017-03 | 7 | delinquency 2x band, delinquency rising, assets shrinking, members leaving | charge-offs p90 |
| 2017-06 | 9 | losing money, loan book shrinking |  |
| 2017-09 | 8 |  | repo signal |
| 2017-12 | 9 | charge-offs p90 |  |

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

- 2026-07-25 [Good Deed: Volunteers clean up litter from Citico Creek - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxQdlEyWHJ4Ym5VbldqbzlPZGxIYUMzcWlpYjJ5d2IyWjJNRXhrOXdJS1pzQ2RreE9lVGV4YWJkblh0SEZqamh0Y0c2clN3X2hvZ3hZR3Z4TGpFU1VTT2hxekdVRlF2YUlDMm9JRDZwVHdvQ2Q4OE9Wb2FYQTVZeDh4dlFPMEJlakU4WHFaMEJoZmxBMnRiN1p3SEVjYVpCUQ?oc=5) · Chattanooga Times Free Press
- 2026-02-03 [Face value: The evolving role of the local bank branch - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxQem9tWEVCS3A4NFdjVmwtRFQxdG9jRU94aXVOdjZERmZ2SG9YVmxyYjcyYV82VnUxcDRMWl9wSkFfUGRtR2J4d2xCSTZ6X0tCLWxFMWM1SEdIZ2hMaXg0RWtDMWdMOGlOeXJDN2NOOGlHZUhtWkpXekgyZzAxSV9tZkg3OGtwSVpZem1HQklrSExWc0paU2NLc2o2RQ?oc=5) · Chattanooga Times Free Press
- 2026-05-12 [Chattanooga amphitheater will bring music festivals back, developer says - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVG5hcFNXNERpOEhUTW5LUzdGZWIza1lIVGxrM3ZlSmw0cFRzQVVNVWlGcTVrVGhxSFptQ18zU0dlMnI4dE1yRURvOU5zS0puTDliU0Z2Y0J2UFJEMmRsV0Q4NXE3dU1HT2t5YU1NSndQSG9WNVF6LXNWY1pOT3RaWTBVdzdkR2Zvc0djdms1VzIta0ZW?oc=5) · Chattanooga Times Free Press
- 2025-12-03 [Arrested tow company owner’s history includes bankruptcy, guilty pleas - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimAFBVV95cUxNeVBaM3VGeV9oeEJTUmVYVF83LV9zN3l6MjZvREI4SVpMaDlYLUt1NW4wbFNkNTZuTDRYclp2aTU2bzVzV2NoNXg1aEExOFJsTFREbk1aVE9OcTVqVFNZbnU5TlM3NWU4WWZPWG1LUm1Ya1Z6YTl6a3RxRzFKZFZZUkVnQWFCaE81bFFadUtTbi1kb0stbUdoZw?oc=5) · Chattanooga Times Free Press
- 2022-08-09 [Tennessee Valley Federal Credit Union expands into 4 more North Georgia counties - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTFdDNVIwX2J0TW1XODNiZExYZlpKbzkyWEFlRnZpNVFJSHZNUVZaY3JIdC1BWFpmaldaeDZhRmdkTFUycHRObXRYV0JKOUlvTXMxZld4aUNTX2NqbzJScWFhdXZrN1pYRnpaWVl6OUJqeDJWdjk4Q0VLcUxCSWM4UVdtcVFpZzJrVUtOakdMYkgwQUc3RjUxZ3cxZHcxdWRF?oc=5) · Chattanooga Times Free Press
- 2021-05-10 [Tennessee Valley Federal Credit Union moves downtown Chattanooga office across the street - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxQYnV0WU03NW5sZllYMExZMVlPMWJWLXZwUHRKcmFNQkktTjFlWFFRNDBKZGlXcWg4ckZ4R0VDZGFhd0FLZEtTNmRNMENGakpuOGMzS2RjUDJLbjNDenZnZVhqTnRvM0J0RWhDLXo1b0wtaTZJRmtKQi1lYXNhR0xtQWVxNWpkUEZPOGdYWm9RNWYtUmVQbElQYXRLUXBIMDFx?oc=5) · Chattanooga Times Free Press
- 2020-07-09 [Business Digest: Mescon, Hale join Tennessee Valley Federal Credit Union - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMickFVX3lxTE11Y09fMEM0c2RwT3B5ZnZ3RGY1Q3lQLVJTZFFzR3VESk1BbG9xVDMtNHd4N3lKcEhWNmlNd2sxZFJmYkVoelJyaVJlMXQ5Tlp5WVFCdTB6S3o5U0t0M21ha19qSGFGczBqTm5vSUs4eHR5dw?oc=5) · Chattanooga Times Free Press
- 2021-10-08 [Tennessee Valley credit union opens Chickamauga office and more business news - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMickFVX3lxTE1Oc184MWpoZlhBWkpGYmQyd3laRWlXOFlockQ1ejBYYlR5UGlwdnFfZURaelJJNVVhRVpaOXZPVFBIdWlQZlZfb3dCUWYxb1lJRE16WDNBaXEtZmFtQ1lqS2ZNdXJMUVAxWjhtVUJrajVyQQ?oc=5) · Chattanooga Times Free Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68093 (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/61.json (key "68093", 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=68093
- 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