Federal credit union · CLEVELAND, Tennessee · NCUA charter #23630
B. M. H.
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $3.8M
- Total assets
- 484
- Members
- 21.1%
- Net-worth ratio
B. M. H. scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.8M; members 484; net-worth ratio 21.10%; health rank #1,186 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,186 of 4,374 health · 2025Q4B. M. H. · health 89/100 · $3.8M · 2025Q4
Call Report peers
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B. M. H. vs every NCUA-scored credit union
B. M. H. sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for B. M. H.
- Largest favorable gap: Net Worth Ratio at 21.10% vs peer 19.06% (+2.04 pp).
- Loan-to-Share Ratio trails the peer set - 51.39% here, 63.60% peer average (-12.21 pp).
B. M. H.: in-state Call Report ranks
- In Tennessee, health place is #40 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #115 of 127.
- Tennessee membership ordinal: #117 of 127.
- One place up in Tennessee, Old Hickory (#39) scores 90/100, 1 point higher; one place down, Kennedy Va Employees (#41) ties at 89/100.
Quarter path for B. M. H.
B. M. H.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.8% from $3.8M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted +0.67 pp (20.43% → 21.10%).
21.10% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
B. M. H. gives up 11 points in total. Loan-to-Share Ratio costs the most, 4.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for B. M. H.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.10% | +2.04 pp |
| Delinquency Rate | 0.92% | -0.89 pp |
| Return on Assets | 1.62% | +1.16 pp |
| Member Growth | 2.76% | - |
| Loan-to-Share Ratio | 51.39% | -12.21 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
B. M. H. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.8M | 484 |
| 2024Q4 | $3.7M | 471 |
| 2023Q4 | $3.8M | 485 |
Credit Union Details
- Charter Number
- 23630
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- CLEVELAND
- Data Quarter
- 2025Q4
Branch Locations (3)
B. M. H. operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BMH FEDERAL CREDIT UNION (Main Office) | CLEVELAND, TN |
| PROTICO/FISERV | Brookfield, WI |
| Bradley Medical Center | CLEVELAND, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- B. M. H. ranks #1,186 of 4,374 nationally on financial health and #40 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Smart Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Smart Choice
Frequently Asked Questions
Is B. M. H. financially healthy?
On its 2025Q4 NCUA 5300 filing, B. M. H. scores 89/100 (Excellent), with a 21.10% net worth ratio and 0.92% of loans delinquent. It ranks #1,186 of 4,374 nationally on health and #40 of 127 in Tennessee.
How does B. M. H. compare to other credit unions?
B. M. H. scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (21.10% vs 19.06%). Its widest shortfall is loan-to-share ratio (51.39% vs 63.60%).
How can I join B. M. H.?
B. M. H. operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact B. M. H. directly for the exact boundaries and application steps.
Is my money safe at B. M. H.?
B. M. H. is a federal 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. B. M. H.'s net worth ratio of 21.10% 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.