# COLLEGEDALE
Collegedale, TN · NCUA charter 68167 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/collegedale-68167

Who the members are: state charter, organized 1952, low-income designated. 4,417 members of 28,000 potential (15.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 83.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $44.7M |
| Members | 4,417 (-2.2% YoY) |
| Full-time staff | 9 |
| Net worth | $4.1M |
| Net worth ratio | 9.2% (p11 of band) |
| ROA (annualized) | 0.71% (p57 of band) |
| Total delinquency | 0.03% (p19 of band) |
| Net charge-offs (annualized) | 0.12% (p60 of band) |
| Loans / shares | 66% (p62 of band) |
| Cash / assets | 35.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p53 of band) |
| Operating expense / assets | 3.98% (p60 of band) |
| Vehicles % of loans | 9% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p90 of band) |
| Vehicle delinquency | 0.34% (p45 of band) |
| Vehicle NCO | 0.50% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 41% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 13% |
| Average share balance | $6,109 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 83% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $7,292 |
| Loans granted, annualized | $3.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (42.5% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 3 | repo signal | delinquency 2x band |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | losing money |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 5 | delinquency 2x band, assets shrinking |  |
| 2019-09 | 4 |  | delinquency 2x band |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | losing money, delinquency 2x band | delinquency rising |
| 2020-06 | 5 | net worth falling | assets shrinking |
| 2020-09 | 6 | margin squeeze |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 8 | capital below 7%, members leaving | delinquency 2x band |
| 2021-06 | 8 | delinquency 2x band | repo signal |
| 2021-09 | 6 |  | net worth falling, margin squeeze |
| 2021-12 | 4 | repo signal | capital below 7%, members leaving |
| 2022-03 | 6 | capital below 7%, delinquency rising, assets shrinking | losing money, repo signal |
| 2022-06 | 8 | net worth falling, losing money, charge-offs p90 | delinquency rising |
| 2022-09 | 7 | repo signal | delinquency 2x band, net worth falling |
| 2022-12 | 4 |  | capital below 7%, repo signal |
| 2023-03 | 2 |  | losing money, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency rising, members leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | assets shrinking, members leaving |
| 2024-12 | 2 | assets shrinking, members leaving | thin capital |
| 2025-03 | 2 | thin capital | assets shrinking |
| 2025-06 | 1 |  | thin capital |
| 2025-09 | 4 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2025-12 | 0 |  | members leaving, delinquency 2x band, delinquency rising, assets shrinking |
| 2026-03 | 0 |  |  |

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

- 2021-12-02 [UPDATE: Arrests made in Collegedale Credit Union robbery - Local 3 News](https://news.google.com/rss/articles/CBMizAFBVV95cUxQSmFOaDdWcUd2aGRwdGlpQ0FoQkhwVTM5dFRhc3d4ZmpOUDBsYlkyelY1YTFwLXRqU1FVbkN0RXpwTHJlOHVGdElBNHNzYm9vcXpGcmh0WUlXcXhPRUdqbDYwcmR5ak1RcWk4Wnd1aXpjZXVzUnFQQTBvU3NHRGZra05sT19fMGlLd09nN3I0ZVkxVlMwVTQ1dno5RURuM2NvaFozVV9sWFV1YndDaTZQSEIweHR5SUVqVjNyOU1PTVRZbWtYSF8ySDdlSUw?oc=5) · Local 3 News
- 2025-06-03 [ModernFi CUSO Sets New Industry Standard: Credit Unions Can Now Offer $15 Million in NCUA Insurance* per Account - Business Wire](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObWNka0d2R3VXQjJJbWpLdVFGN3hhbkJTWEVVLXhxX05TeFNFdVlxb1RJbGFoa3J6X0gwQmVaMV9EOUtFZElqdElkSzJnS3RwckNTblljUkRlejlIcThxcUZEWVV6ZW45aVg0NUdqdHotZjBya3lFU2JiNVp2aFhzeTVqZ1UxRm9FblFtVTdkMTZoNnpKOXpPLWY5NE9NcXhEQUZZWGVQM1VSY3I1THZadlZNYmk2ZzFPcU5mY3laNjlJQ2FSdkJxZlBZMVppRXNvcEI3bThXMUh6d0RCQk42UERoWXJNQ0NjYW44TFI3V180LU9ZMjdSYzBBQTVQUQ?oc=5) · Business Wire
- 2026-08-10 [Billie McKenzie Obituary - Chattanooga, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdTA5S0ZBdXN1NDVuNmdKSk5uWlo3UVBTMkdpLWhlUnR6WmJzX2ZGTXZyUk1ydkRxeTZPTVpHekVnejlVSGhwZnZFdUY5QXFrWm5taHh6M3h3NkI2ZnY2OHc2TlNPZlVENFFsTzR6dUVMRy1WZnB6cXZGUFRrUXpod1Y0SUcxOVRlbmc?oc=5) · Dignity Memorial
- 2025-04-26 [Guide To Ooltewah & Collegedale, Tennessee - Chattanooga Moms](https://news.google.com/rss/articles/CBMijgFBVV95cUxOUWxzTElsdncydW0yNy10c1JCYUtjWHQzeHNqV0QwWUU2Y1pPejJTazZSN1VUcktkZ3JXRU52S05fOEhPa0xmY0o5dzlfXzM3aThPZ3lsazBqY19SZ24xdm1rcGRxeW9CUUFCb2UyNmpDdy1LYXRlYXhIQ3E4aEtJWlVWZzJpcjE2MW5fMFhn?oc=5) · Chattanooga Moms
- 2025-02-27 [Obituary information for Inelda Eunice Hefferlin - Heritage Funeral Home & Crematory](https://news.google.com/rss/articles/CBMijAFBVV95cUxPbG5WQ2h2ZkIybnpxV1RSQU9GeVZEMmJjVlpkNk1IQm1fUEl0Nmk0enBtZGM3N19tVTdaZUprdkFCUFdJSDZOXzFSTllBRFdfd25relNlVkNZeU9RbU9XTDEtWTNkclNZVTVuRVNtS1dhLVRpMDlXQVZBb0RxbXRoNnNXMVlla2hXQjlOVw?oc=5) · Heritage Funeral Home &amp; Crematory
- 2025-06-06 [Leroy Hogan Obituary - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9ZTG1rMzMxd2pyTkJUVVZvcS1RY1M4NHE4VEpUYnVGZDd4OGtzMl95UEpVUXcyVnIzNGJKMGpiMWVDYXl4b1dKY2IwcFhwZlM2bkJBY1BfdXZja3hwZ1Bz?oc=5) · obituary.companionfunerals.com
- 2014-08-15 [Former Collegedale Academy Students Charged With Robbery At Collegedale Credit Union; Text Said Holdup Was "Pretty Cool" - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWWdFaDNPdTFHVXgyd0UtQlVIV1lmOUJnVmlDZWpXNjhGN3lOZDFFdDYyM1c0LUhVWksxY3N6VS1JWnpxWm9RSUU5TmVxWUdzQ1o4NllvUUc4ZmRId1oxNGlwb2lQcm9OeklZVi1IcHRmZlo4T0VMTW1GVUhZS21GUWpTSDNWNHBHQUZFcDR4Yw?oc=5) · Chattanoogan.com Breaking News
- 2024-09-21 [Nellie Catherine Stearley Obituary Sep 21, 2024 - bucknerfike.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBnZDQwRnJoME1Zb1otM2RMcWNlNEdGS180SUdDSGk1MzRmaGJFX1VKc01SNVY5eUdSdkcyUGZnQXFibjhSdEpkdFVWQjBkNU5GMVRRYUVaR18zdHRJZkw5R2pTWG4?oc=5) · bucknerfike.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68167 (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/7.json (key "68167", 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=68167
- 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