State credit union · Athens, Tennessee · NCUA charter #68161
A.U.B. Employees'
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $1.5M
- Total assets
- 213
- Members
- 27.1%
- Net-worth ratio
A.U.B. Employees' scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.5M; members 213; net-worth ratio 27.06%; health rank #4,235 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,235 of 4,374 health · 2025Q4A.U.B. Employees' · health 52/100 · $1.5M · 2025Q4
- CHARTER 52/100
- NCUSIF 27.1%
- CAMELS 2.67%
- HEALTH 0.11%
- NW $1.5M
- DELQ 213
- ROA #4,235/4,374
- ASSETS n/a
- MEM 68161
Call Report peers
A.U.B. Employees' carries $1.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
A.U.B. Employees' vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
52 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
A.U.B. Employees' - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68161 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for A.U.B. Employees'
- Largest favorable gap: Loan-to-Share Ratio at 115.35% vs peer 52.70% (+62.65 pp).
- Largest lag: Return on Assets at 0.11% vs peer 0.22% (-0.12 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
A.U.B. Employees': in-state Call Report ranks
- Health composite ranks #124 of 127 among scored Tennessee credit unions.
- By total assets, A.U.B. Employees' is #123 of 127 in Tennessee.
- Member book place in Tennessee: #125 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
A.U.B. Employees': 2025Q4 → 2026Q1
A.U.B. Employees': total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.4% from $1.5M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted +0.16 pp (26.90% → 27.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 27.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 52/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.3 pts
- Return on Assets 9.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 4.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.06% | +4.13 pp |
| Delinquency Rate | 2.67% | -1.80 pp |
| Return on Assets | 0.11% | -0.12 pp |
| Member Growth | -7.39% | - |
| Loan-to-Share Ratio | 115.35% | +62.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - A.U.B. Employees'
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.4M | - |
| 2025Q4 | $1.5M | 213 |
| 2024Q4 | $1.7M | 230 |
| 2023Q4 | $1.8M | 245 |
Credit Union Details
- Charter Number
- 68161
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Tennessee
- City
- Athens
- Data Quarter
- 2025Q4
Branch Location
A.U.B. Employees' operates a single office in Athens, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Athens Utilities Board (Main Office) | Athens, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
- GREENEVILLE WORKS EMPLS. SAV. ASSN.Greeneville, TN · Under $2M76Health
- WCG EMPLOYEESMARTIN, TN · Under $2M95Health
- HARDIN COUNTY HOSPITAL EMPLOYEESSavannah, TN · Under $2M89Health
- OLIVET BAPTISTCordova, TN · Under $2M61Health
- FAIR BREAKMemphis, TN · Under $2M73Health
Compare A.U.B. Employees' vs GREENEVILLE WORKS EMPLS. SAV. ASSN.
A.U.B. Employees' nationwide neighbourhoods
A.U.B. Employees''s nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
Using this data
- A.U.B. Employees' ranks #4,235 of 4,374 nationally on financial health and #124 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greeneville Works Empls. Sav. Assn. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greeneville Works Empls. Sav. Assn.
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is A.U.B. Employees' financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, A.U.B. Employees' carries a financial health score of 52/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,235 of 4,374; by total assets it ranks #4,183 of 4,374 nationally (same basis as /rankings/largest); and #123 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 27.06% net worth ratio and a 2.67% delinquency rate.
How does A.U.B. Employees' compare to other credit unions?
A.U.B. Employees' scores 52/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join A.U.B. Employees'?
Membership eligibility for A.U.B. Employees' depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact A.U.B. Employees' directly for current membership requirements and application steps.
Is my money safe at A.U.B. Employees'?
Federal credit unions like A.U.B. Employees' are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. A.U.B. Employees''s net worth ratio of 27.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does A.U.B. Employees' offer compared to banks?
Credit unions like A.U.B. Employees' are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact A.U.B. Employees' directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.