# OUTREACH
HERMITAGE, TN · NCUA charter 8922 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/outreach-8922

Who the members are: federal charter, community charter, organized 1953, low-income designated. 2,146 members of 755,185 potential (0.3% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 70.

**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 | $34.6M |
| Members | 2,146 (-1.8% YoY) |
| Full-time staff | 7 |
| Net worth | $3.8M |
| Net worth ratio | 11.1% (p23 of band) |
| ROA (annualized) | 0.15% (p30 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.42% (p73 of band) |
| Loans / shares | 55% (p47 of band) |
| Cash / assets | 45.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p15 of band) |
| Operating expense / assets | 3.05% (p33 of band) |
| Vehicles % of loans | 42% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p88 of band) |
| Vehicle delinquency | 0.13% (p37 of band) |
| Vehicle NCO | 0.57% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 29% |
| Certificates % of member funds | 40% |
| Average share balance | $8,476 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $522,086 |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $11,182 |
| Loans granted, annualized | $5.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $522,086 outstanding purchased (13.6% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 4.6% 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 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 0 |  | losing money, net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | net worth falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 2 | margin squeeze, members leaving |  |
| 2022-06 | 1 | net worth falling | margin squeeze, members leaving |
| 2022-09 | 1 | members leaving | net worth falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | losing money, delinquency rising, assets shrinking |  |
| 2023-06 | 2 |  | losing money, delinquency rising |
| 2023-09 | 2 | delinquency rising | members leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | assets shrinking, delinquency rising |
| 2024-06 | 1 | net worth falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | margin squeeze | net worth falling |
| 2025-03 | 1 | delinquency rising | margin squeeze |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | net worth falling |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-06-17 [TVFCU community outreach and engagement - WTVC](https://news.google.com/rss/articles/CBMiggFBVV95cUxQZUZHQVhqMW1pcDMxZkx2TWtKSHI1REZfTVNQZzFCYnFpZEJVSWZOLUpzTEp0cXd6Rm5tZ0dqTDNpYm0wckZhYl9iam51QVdYTjQ3c3A0XzNKemktVG5Ia1ZvRWgwdHV2aVJlN2JxSVhPWmEtZUU5QWlfc0xiWmlqdG5n?oc=5) · WTVC
- 2026-03-25 [Inside Alabama’s credit union movement - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xbDYwZ3JkY0JMaXNPSmlMU21DZF9VSHg1TGRnVG5YQUVTUTFncThEbzlqN3JDOERBMXRwT2h5ajhQLTRlNTAzU1RrUDhLZ2lKYUd0NHBDNlZidEU2RDJnbGJoVXBvRVEycUhhbDVXd21QZWtI?oc=5) · Business Alabama Magazine
- 2026-06-15 [Glia launches AI outreach tool for community banks - FinTech Global](https://news.google.com/rss/articles/CBMijgFBVV95cUxPXzBRaVB3ZTRCWkhaX0JyMEF2Y0JsYXVsdko3SThTc2FrYWRYUmFuUWkwcVY2ZWpBZnN4aEZnOWNBa21IdTJ0Y0ZCTGt5by1zUnlxdUtYVEVBdkt6SmhIUzlUQ0VNcmRkajVvdm9qV0M3VFdHTzdPQkU0bFhSVF9VM0FlbkJ4WURBS05qRE9n?oc=5) · FinTech Global
- 2025-11-06 [HawaiiUSA Federal Credit Union Invests in Education and Community Financial Health - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxQMURsMENweXVGWk44OXJ0ZVQyVkZZWFlMdkdpTmxOeGQyLTJXRGRTbnBPdnAxdUU4MGZDWkZ6bUZ3VXJ1MXo0OC1uRlVtVC1yb0V4WFdWMVZ5OG9RY2RHdkJNNlhtUU12M1haMnNyM01scUZubnVKSmh6eklkcEVSc0psOFg2Vi1LNEE0cl9Ua1lJMDU1dXdaMWxVb2ZRemtkaEw2bk5INEhUM0ZDU0IyekpaS0I?oc=5) · Hawaii Business Magazine
- 2026-05-13 [Redstone Federal Credit Union surprises 150 Huntsville families by paying grocery bills - rocketcitynow.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPYzJ3VDJ4cGRRRWhCZmc0YnhKNUhpanZLWnN6OXlNd081NHc1aUhtbzVoSVI5SlZlaEN6TFo2alRIYThnVVZlYW1jV01ndUFTUENuZE0ybDNjZFRRcWJnbm5BSkFjVTJNcExCcEpGWVJDSUNHN2xiNHJmNWpmOVF4QTlWV0ZubGVuamJGVEt1dE9YYmtEMHM5QkVPUXBWckF4ajZoN2hGbHJUNXRkMHk4Z2s4WHlwLUMwbUUxQ1pPc292dEhqWnRHQzI3MDB2MUJFZ0NDSFZwUDA5OFJ2UHFJWEVramc3QmJTc1ZfMUdrd19vTWRwZ2NJaDZwVTB0TWs?oc=5) · rocketcitynow.com
- 2026-02-02 [LIST: Latest closures, delays due to snow - Kingsport Times News](https://news.google.com/rss/articles/CBMif0FVX3lxTE9IdnQ5RGg3NFdQMU1PcWlHVjdJdWxScWVrTEV3aHZpc3YtdHJGTU9PeGJ3OHBoSGpsajdpWXhWZzQ1S2VZSldQWkxJN3B6YVdlZkZnR19nYUM5TlRnbzNpS1NyLS1zbEtEelNwYVJ1b2hoOWdPSkVuZ0hPdEJES1E?oc=5) · Kingsport Times News
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2019-07-16 [Evansville Teachers Federal Credit Union continues to grow workforce, members, outreach - Courier & Press](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQREF0NzFuc0RlYVNLR0pHekZVemlaWnFBaHl0ZW90OXV1aEE3WmN6VE95Q3A2QlNkVmd5STVKbUFzbW4tektmUGJqaTZtTmlRUDJHM2JnWi1OYUoxVk1WSDNmeGZ1VlpZNmY1NkY0dnd0c25WMzB4RkNvUTRzQTRDanZ5NWFyMkdpNDd1c3lKVU9CeHFrQ1F3dEJYWWhIZFU1SEEyWDdpbG1rRzViX09MVnIyLVp5MHZZTnM0d3FsX1FIYUNleHg3NlJsdUJ4ZHRRU3VhS0QySDJoLU9scDE2ZkJFTk5UanQxSW1DWmpR?oc=5) · Courier &amp; Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8922 (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/26.json (key "8922", 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=8922
- 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