# KNOXVILLE FIREFIGHTERS
Knoxville, TN · NCUA charter 9873 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/knoxville-firefighters-9873

Who the members are: federal charter, community charter, organized 1954, low-income designated. 1,851 members of 2,500 potential (74.0% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *ordinary*. 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 | $36.7M |
| Members | 1,851 (-0.4% YoY) |
| Full-time staff | 5 |
| Net worth | $7.2M |
| Net worth ratio | 19.7% (p73 of band) |
| ROA (annualized) | 1.89% (p92 of band) |
| Total delinquency | 0.50% (p44 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 66% (p62 of band) |
| Cash / assets | 44.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p55 of band) |
| Operating expense / assets | 2.57% (p21 of band) |
| Vehicles % of loans | 51% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.56% (p53 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 4% |
| Average share balance | $10,370 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $13,697 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | net worth falling | delinquency rising |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | delinquency rising |  |
| 2020-09 | 3 | net worth falling, margin squeeze |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | delinquency rising | net worth falling |
| 2022-03 | 0 |  | margin squeeze, delinquency rising |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 0 |  | assets shrinking, delinquency rising |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2023-01-24 [Robert "Bob" Eugene Headder Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1jaTU4Q1N4bHNHWGF5S2txbGFTa2FmWGZXQTJGaUg4aFhPQWE2MGhKSFhlNGExS2xyVVBVMV9qQ0lzZ0RwOTRDc2QwbUs3cWNrcE5DUjk0Mks?oc=5) · Knoxville News Sentinel
- 2021-10-04 [RONNIE PATTERSON Obituary (2013) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOT3BvT3Q3R2FDTDFKSW1EdkZnNmlWSFc5UDBPcDhKZFdlUWhvQUNVOHdHcDIwZ2p5LVNFbDNhenFJSjI4SlZHS1paNl9hbVFOR0lJSk9ZTE9kVVNuLWRjNm92ZU9yMmx5WVBWWWpXdllUWUlEcmhBLWlORlJWVG5meXdhRWNyY09PMmY1ZmJSVzRFZw?oc=5) · legacy.com
- 2011-03-10 [Carolyn Widener Obituary - Knoxville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPZTBmcU90TlBKUWJvNFd2bUJ3SmZfVjJJaXdMdzRncXJ5VEFYMjZidndNQUdkVWRmdWV5eVBfX091MjA1Ty10OFJkMk9hbW1LS1dfclU3d3RHdENBaE11Tnlxa3Q2XzE4Q1dNaWMtNlJ6eG5OcjVkdDQ4Y3ZPb0M1a3IxM202dw?oc=5) · Dignity Memorial
- 2022-11-23 [Delmer "Joe" Jenkins Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBCb29RdENoQ01maUhtWERCOGw5dTdwa2I2aEJ2VURzeDhBcERUTzF5R25IY3paanRwTU1vamxOeFl2N0R4LUx6bDcyN3V5TFZSel9QSjllMjg?oc=5) · Knoxville News Sentinel
- 2021-10-09 [Ruth Hundley Obituary (2016) - Knoxville, TN - Knoxville News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMGdCR0ZTSGM5Zjg0ZEZ5RTh1aDRVNVo2OVhqaTRNZnlPVEp5UGFWYkJ2cHRiMEViWlVub3hPNlhwaVo5VUY1UjBpSzFhOEJHZ0ZwS2JCN0JiNWVqUFpfUHlsbHpiQWQxTHVPdzFybTRXNTZzU0MwNVFtSXBoZ1NwUkhua3FPYlc3Z3dTWg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9873 (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/17.json (key "9873", 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=9873
- 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