# VANDERBILT
Nashville, TN · NCUA charter 68119 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vanderbilt-68119

Who the members are: state charter, organized 1959, low-income designated. 6,886 members of 44,000 potential (15.7% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *ordinary*. 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 | $53.3M |
| Members | 6,886 (1.8% YoY) |
| Full-time staff | 10 |
| Net worth | $5.2M |
| Net worth ratio | 9.7% (p17 of band) |
| ROA (annualized) | 0.04% (p14 of band) |
| Total delinquency | 1.66% (p89 of band) |
| Net charge-offs (annualized) | 0.08% (p30 of band) |
| Loans / shares | 66% (p59 of band) |
| Cash / assets | 24.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p35 of band) |
| Operating expense / assets | 4.42% (p76 of band) |
| Vehicles % of loans | 26% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.14% (p74 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 24% |
| Average share balance | $5,386 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $20,360 |
| Loans granted, annualized | $8.2M |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2026-01-30 [Vanderbilt Credit Union offers relief loans to VUMC employees impacted by severe weather - Vanderbilt Health News](https://news.google.com/rss/articles/CBMivwFBVV95cUxOTjF4VDUxWTFmLVpqTlhwQm9zU2hzOWk0bnFUVk1WMk5LZEtiVUxGWGRNYVFyd3FXazZLbWlTeGN1QThVWDE5V052d1NBRVEzMzg4dGhiM2VWYWhjams1a2NfVkZteS1MYU9pbHg4a0JxdG9kVjdIaUdYdlVKX0N2Q3lLNDNJMFpKYUU3bVNWTXpvZjI0VVR5dkhMZHhSbl81S0xvTWVpVUpzQTNabnNRd2VoV0lGaFhVX29DM2lURQ?oc=5) · Vanderbilt Health News
- 2025-11-05 [Fortera Credit Union, Vanderbilt Credit Union announce merger plans - Clarksville Now](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSWZmS01VaHFXUnBRMzA1VXdXaUFXUVNQWXRTSF81S3FBM1VoNEIxX1QtUlUweWRQYlhxcGFvTlR6M2ZTZVJvUWhtSnVkY293TkxINm9MLUNGYWJ6Yy13WTNnYkM5T1IwbXluaFpXTnRsTElJR1ZBVjM3TnJ5dDQ1cjdKWUVyNUtYT251RWlPRGloOTM3enJTWklERUxEaDNZdXc?oc=5) · Clarksville Now
- 2026-07-22 [SEC Media Days: Vanderbilt hopes to maintain momentum without Diego Pavia - WAKA 8](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMzZZWjd4VGNyamlWYUxOT2s5dGxhS3NIU3RITDIzLVJ6a1ZrWFRzOC13bTNfbTZYRVRmdUh3T1JxVHpoaFVoT243bk1kX3B4Q25xVnJiQnF1SVJSMm9HVUYzM1R5alpnWWJfeXhoLUtBdVBjc3M1eXVKTEpoTUpqcVlHMmFsQURweTlhbWNoVnlmSG14TF96LV9kTDlVV1hGWlBuMm5aMVY?oc=5) · WAKA 8
- 2022-10-25 [Vanderbilt Credit Union moving - Vanderbilt Health News](https://news.google.com/rss/articles/CBMickFVX3lxTE1pVmhJYl9DeGE5NTFRRkVReTlTNWF3ZjhfenFBYUJIMVpGT3NMTzhXMjk4bzhQWW5hcmNFaXNHc2Zlano1NnBsT3hBN3Nya2lyeUhIYW1QMHdEd3kzLVV5RjF6bS0wUkxsdFpfeHZrNERCQQ?oc=5) · Vanderbilt Health News
- 2025-11-22 [5 things you need to know from UK football’s embarrassing 45-17 loss at Vandy - Lexington Herald Leader](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZ0wtWU00X3VpOGowT2l5ZnNOQ3NEelZJdm5JbnhDa1dpSUpOa2xScmNLcERJYWtkaVNvdFhuUm8ydDBEUWNxLTF6eWc1eElYMXR5eFk5YVVMWTNXaXl2ZXFCZXVpM0FtbHhrSF9ZQWVFVjNEZFdqNjNVbzJYTG15Sm8xX0JkdWRRb2fSAYoBQVVfeXFMTk5teXBBMUgwdmxycTNWNEpaYm4tVkNtWjdBdzIxRnE3d1hkZ3ZrR3dWczkxR19oMkNLajRwUnh6UlpIVjM4aGVjckJqSDgzQS1PTG1zeTlIdV96N2I2MW4wM1VCMk5hRVBPZXJNUDJ1SUlwV1EzVmlQV0NaZmFoaF9KdVRwMXZYU3BB?oc=5) · Lexington Herald Leader
- 2025-11-20 [Stuff the Truck toy drive launches 7th year to support Metro Police Christmas program - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNZ01mSk5JaWZxc0pGQnlnUHRIcEdyTUhuZnVLYS1YYUJuTnpJV2NxMkFHcDJvU2h0T3RHVkc1czI2UDF5SU1YZUNDdE84MEFFSU9EeHZqSVdiN1F0akNmQm43cDN5TVJGOWU0QWw5OWN1UEVwOXk2Rl9ZVW9ldHBWM3BOTVZDUnFEak1ZYWs3WmJDR2JmSE5LZk1xdTJheHlOaGNDMDlhWlN2bGN6ellNOG9MVkYwNUdiM2ZZ?oc=5) · News Channel 5 Nashville
- 2024-04-11 [Credit Union opens branch in VUH lobby - Vanderbilt Health News](https://news.google.com/rss/articles/CBMifEFVX3lxTFBsMTF6SmpGeFlQMW40VjE2Qy1udkxhMmp0MVhfU21kWmlwOXB4UDdlUFFQTGMzc2lBaHJfTGZ0R1hSMjNtSVBIMHpZREliZGVQY21zaENpenJpYllzMkdvcnRvdHNmQVNpQWdOeUtMc3E1U2JfT21SSXRPQzI?oc=5) · Vanderbilt Health News
- 2025-09-28 [College Football Playoff, bowl projections after Week 5 - ESPN](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMmw2eTNnMmY4R2NhNnd3eU9nWF9WR1lLa09BZS1qclFoa1FOa1p2Qm9mT0VoeGZyMGhpLWFRRzhsTk4wYzFTdzdFWGhneEdYSU9jS0VOZFplYmhMMnp6YnAtbTNPMkpYS0pIS0pXb19XTTBOenY1Mi1XMU51ZlZidGJTdkVaYnV0LXRYakxtOG9RbUdJOFpzNEQ0V1NLcGtRMHFwU05ubnRrQQ?oc=5) · ESPN

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68119 (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/23.json (key "68119", 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=68119
- 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