Institution Profile
Address: P.O BOX 3238 COOKEVILLE, TN 38502-3238
(931) 528-9400
Website:
NCUA Profile:
Charter Date:
1/1/1969
Charter Type:
Federal
Branches:
3
Branches by Region
TN 3
Financial Overview
Total Assets
$68.63M
Total Deposits
$57.26M
Total Loans
$36.90M
Members
5,532
Employees
14 8 Full-time / 6 Part-time
Allowance for Loan Losses
$398,699
Performance Ratios
Net Worth Ratio
16.44%
Loan-to-Deposit Ratio
64.44%
Coverage Ratio
1.08% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +67.07% Total Deposits: +56.09% Total Loans: +87.17% since 2020 Q1
Member Growth
Member Growth
Members: +10.57% since 2020 Q1
Employee Growth
Employee Growth
Employees: +16.67% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
974
Amount This Year (YTD)
$15.24M
Number of Loans per Quarter
Loans Granted: +19.89% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +81.89% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$20.05M 54.3%
1st Mortgages
$5.95M 16.1%
New Vehicle
$4.06M 11.0%
Other Secured
$2.88M 7.8%
Other Unsecured
$2.85M 7.7%
Credit Card
$563,427 1.5%
HELOCs
$487,083 1.3%
Unaccounted
$51,092 0.1%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 5,532 | $68.63M | $57.26M | $36.90M | 14 |
| 2025 Q3 | 5,583 | $67.43M | $56.47M | $38.00M | 14 |
| 2025 Q2 | 5,554 | $67.87M | $57.67M | $38.25M | 14 |
| 2025 Q1 | 5,534 | $68.77M | $59.13M | $38.24M | 13 |
| 2024 Q4 | 5,519 | $66.86M | $57.14M | $38.92M | 12 |
| 2024 Q3 | 5,508 | $65.97M | $56.78M | $38.43M | 13 |
| 2024 Q2 | 5,476 | $64.52M | $55.68M | $37.48M | 14 |
| 2024 Q1 | 5,465 | $63.07M | $54.76M | $37.64M | 14 |
| 2023 Q4 | 5,457 | $61.63M | $53.42M | $37.06M | 14 |
| 2023 Q3 | 5,421 | $61.31M | $53.43M | $36.25M | 14 |
| 2023 Q2 | 5,397 | $61.12M | $53.80M | $35.37M | 14 |
| 2023 Q1 | 5,393 | $60.76M | $53.80M | $34.07M | 14 |
| 2022 Q4 | 5,426 | $60.87M | $54.27M | $32.66M | 13 |
| 2022 Q3 | 5,468 | $61.25M | $55.02M | $31.62M | 13 |
| 2022 Q2 | 5,471 | $60.61M | $54.59M | $29.48M | 14 |
| 2022 Q1 | 5,409 | $58.14M | $52.37M | $27.13M | 14 |
| 2021 Q4 | 5,326 | $56.55M | $50.93M | $25.09M | 14 |
| 2021 Q3 | 5,308 | $53.83M | $48.45M | $24.40M | 14 |
| 2021 Q2 | 5,264 | $52.57M | $47.93M | $22.20M | 14 |
| 2021 Q1 | 5,201 | $52.22M | $47.31M | $21.88M | 14 |
| 2020 Q4 | 5,173 | $47.47M | $42.93M | $21.40M | 13 |
| 2020 Q3 | 5,158 | $45.34M | $40.75M | $21.18M | 13 |
| 2020 Q2 | 5,086 | $45.14M | $40.64M | $20.98M | 13 |
| 2020 Q1 | 5,003 | $41.08M | $36.68M | $19.71M | 12 |
Interest Rates
Current average rates by loan type
New Vehicle
5.99%
Used Vehicle
6.99%
1st Mortgage (Fixed)
5.11%
HELOC
7.56%
Credit Card
12.99%
Other Unsecured
12.99%