# TVA COMMUNITY CREDIT UNION
MUSCLE SHOALS, AL · NCUA charter 68559 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tva-community-credit-union-68559

Who the members are: state charter, organized 1936, low-income designated. 20,008 members of 540,580 potential (3.7% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $424.4M |
| Members | 20,008 (0.7% YoY) |
| Full-time staff | 51 |
| Net worth | $77.6M |
| Net worth ratio | 18.3% (p97 of band) |
| ROA (annualized) | 0.99% (p72 of band) |
| Total delinquency | 0.29% (p21 of band) |
| Net charge-offs (annualized) | 0.42% (p52 of band) |
| Loans / shares | 44% (p2 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.55% (p5 of band) |
| Operating expense / assets | 1.97% (p4 of band) |
| Vehicles % of loans | 32% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 7% (p26 of band) |
| Vehicle delinquency | 0.22% (p18 of band) |
| Vehicle NCO | 0.21% (p22 of band) |
| Repossessed % of vehicle book | 0.06% (p63 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 28% |
| Average share balance | $10,289 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.5M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $16,805 |
| Loans granted, annualized | $66.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.5M outstanding purchased (9.7% of net worth), $3.0M sold and retained. Sold in 5 and bought in 5 of the last 8 quarters. Shares 2.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, margin squeeze |  |
| 2020-06 | 1 |  | margin squeeze |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 2 | net worth falling, loan book shrinking | delinquency rising |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | loan book shrinking |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 0 |  | delinquency rising, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2022-11-16 [TVA Community Credit Union appoints Sammy Clements as CEO - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxNVi1KUTNlbWRITUN6N2F5dXFWa2FRNW5EQVUtN1JucTNYQzhMY3djeFNaVmU4Z200OThzUkI3Qm0wZzVGZ3l5OENyeThQaU1pVDZzLU5oT3Ixd0FOSFAxNTJ3YVRWVlR6S1dUaEd0T0lHbHpGMzhndUxWQ2dxcUwzWGJYZ21INldDZVhUem9oSUlqR1piR3hFMUNMRTV5dUk?oc=5) · CUInsight
- 2026-03-06 [Northwest Shoals Community College opens new walking trail to connect campus and community - WAFF](https://news.google.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?oc=5) · WAFF
- 2019-10-17 [UNA GOLFERS HOSTING EVENT AT TURTLE POINT - University of North Alabama Athletics](https://news.google.com/rss/articles/CBMimgFBVV95cUxNVUVHaWJRLV9FdG1rcG4wZnh6YWVSb3ZNaUw3UzkxRjR2YjVtX0RRVWRhVnZDR2t4aE5rbm9xcnliZW1WLWJJSVBVTm9lakVUYmVIVTV5U28wSHhsWVBxNHNPTjd0dzBFTkhGMWZDX25UVUt1MU5WZ2stTWFKbk5CMlhHWVc5YjJtNnNHT09QaF9Kam1LRTdOVHF3?oc=5) · University of North Alabama Athletics
- 2026-03-06 [Northwest Shoals Community College unveils scenic walking trail at Patriot Park - rocketcitynow.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOaVBTMG0yRnV0S0huUnZZZXQ5WmNtdnRlbVhIS3p1MzFHeDdOOW4zUG5XRlZnOTNON0FwbUlndEt0X0ZoNXZPVGUwRUx5d21hb05sbUhlMzNPYjBoMEk2aW0tMW1zdjd5SzN4ZFpZYkc5OXJ3Mmc0UE16RU00ZWNvSkpKZ0d6LXRHaEFGck5QRWpsU2Q1enRTdnJUOGxOT2tJZU5wZ3B4WGNCWnNKYXRsV20tV1R6N0NRekJEbVFQLXk0LXdfNmprUkdUajl1TkJPVUtITUtRZw?oc=5) · rocketcitynow.com
- 2026-03-25 [Inside Alabama’s credit union movement - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xbDYwZ3JkY0JMaXNPSmlMU21DZF9VSHg1TGRnVG5YQUVTUTFncThEbzlqN3JDOERBMXRwT2h5ajhQLTRlNTAzU1RrUDhLZ2lKYUd0NHBDNlZidEU2RDJnbGJoVXBvRVEycUhhbDVXd21QZWtI?oc=5) · Business Alabama Magazine
- 2022-04-25 [UT Martin Golf Earns 4 Postseason Awards - Radio NWTN](https://news.google.com/rss/articles/CBMihAFBVV95cUxQLVA2eFNwaXBtSml2bTVrS1NvVDZmM2JiNnVxSWYyWk41S3VGX0FnQWxEc2hNSmtjSU0zODBlcXBrTnM0OE5YRWFXa045NlpieGlIT2tIakNKSjhTak9TZkRjTEc0ckI4RWRGVEl1ek1vbHF5VF9XN08tbExKX1ZiaHNrT3Q?oc=5) · Radio NWTN
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2026-08-24 [Ann Ann McCutchen Obituary (2026) - Sheffield, AL - Morrison Funeral Home - Tuscumbia - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQa2lHZVBzaWt5ZjA5WEZDMDBaZFpRekJoME9VUUFnLTBQWWZrdkhPVGJoRllkaERKMDNqZGxsTWN1UHd2c3E3SVN1Z2FIakl1U3RsQ0lxeGtreFh1bkczd3JSRUR4M2FTYmpISzFmdzBWY3B0STZ6SndCdkVRWG1PZGpR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68559 (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/15.json (key "68559", 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=68559
- 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