Federal credit union · Memphis, Tennessee · NCUA charter #20874
Bulab Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.5M
- Total assets
- 302
- Members
- 33.1%
- Net-worth ratio
Bulab Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 302; net-worth ratio 33.08%; health rank #2,508 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,508 of 4,374 health · 2025Q4Bulab Employees · health 81/100 · $2.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bulab Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bulab Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bulab Employees: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 33.08% here, 19.06% peer average (+14.02 pp).
- Return on Assets trails the peer set - 0.26% here, 0.45% peer average (-0.19 pp).
Where Bulab Employees sits in Tennessee
- Health composite ranks #72 of 127 among scored Tennessee credit unions.
- By total assets, Bulab Employees is #121 of 127 in Tennessee.
- Tennessee membership ordinal: #122 of 127.
- One place up in Tennessee, GATEWAY (#71) scores 82/100, 1 point higher; one place down, Knoxville Law Enforcement (#73) ties at 81/100.
Quarter path for Bulab Employees
Bulab Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.7% from $2.5M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +1.92 pp (31.16% → 33.08%).
At 33.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Bulab Employees gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Bulab Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 33.08% | +14.02 pp |
| Delinquency Rate | 0.04% | -1.77 pp |
| Return on Assets | 0.26% | -0.19 pp |
| Member Growth | -9.85% | - |
| Loan-to-Share Ratio | 74.23% | +10.63 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Bulab Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.3M | - |
| 2025Q4 | $2.5M | 302 |
| 2024Q4 | $2.6M | 335 |
| 2023Q4 | $2.8M | 351 |
Credit Union Details
- Charter Number
- 20874
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Bulab Employees runs one office.
| Office | City |
|---|---|
| Bulab Employees FCU (Main Office) | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Bulab Employees nationwide neighbourhoods
Using this data
- Bulab Employees ranks #2,508 of 4,374 nationally on financial health and #72 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metropolitan Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metropolitan Teachers
Frequently Asked Questions
Is Bulab Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Bulab Employees scores 81/100 (Excellent), with a 33.08% net worth ratio and 0.04% of loans delinquent. It ranks #2,508 of 4,374 nationally on health and #72 of 127 in Tennessee.
How does Bulab Employees compare to other credit unions?
Bulab Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (33.08% vs 19.06%). Its widest shortfall is return on assets (0.26% vs 0.45%).
How can I join Bulab Employees?
Bulab Employees 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 Bulab Employees directly for the exact boundaries and application steps.
Is my money safe at Bulab Employees?
Bulab Employees 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. Bulab Employees's net worth ratio of 33.08% 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.