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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); A.U.B. Employees' sits in 50-54 with 82 others.
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
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).
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.
- One place up in Tennessee, Smart Choice (#123) scores 53/100, 1 point higher; one place down, Kellogg Memphis Employees (#125) scores 50/100, 2 points lower.
A.U.B. Employees': 2025Q4 → 2026Q1
A.U.B. Employees': total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.4% from $1.5M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted +0.16 pp (26.90% → 27.06%).
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
A.U.B. Employees' gives up 48 points in total. Delinquency Rate costs the most, 16.7 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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.
Frequently Asked Questions
Is A.U.B. Employees' financially healthy?
On its 2025Q4 NCUA 5300 filing, A.U.B. Employees' scores 52/100 (Fair), with a 27.06% net worth ratio and 2.67% of loans delinquent. It ranks #4,235 of 4,374 nationally on health and #124 of 127 in Tennessee.
How does A.U.B. Employees' compare to other credit unions?
A.U.B. Employees' scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (115.35% vs 52.70%). Its widest shortfall is return on assets (0.11% vs 0.22%).
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'?
A.U.B. Employees' is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.