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
- HEALTH 81/100
- NW 33.1%
- DELQ 0.04%
- ROA 0.26%
- ASSETS $2.5M
- MEM 302
- RANK #2,508/4,374
- PHOTO n/a
- BOOK 20874
Call Report peers
Bulab Employees carries $2.5M 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.
Bulab 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
81 39th percentile higher than 39% 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
Bulab Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20874: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Bulab Employees
Bulab Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.7% from $2.5M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +1.92 pp (31.16% → 33.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Bulab 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 (81/100 here).
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
- 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 Bulab Employees financially healthy?
Bulab Employees scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,508 of 4,374; by total assets it ranks #4,095 of 4,374 nationally (same basis as /rankings/largest); and #121 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 33.08% net worth ratio and a 0.04% delinquency rate.
How does Bulab Employees compare to other credit unions?
Bulab Employees scores 81/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Bulab 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. Bulab Employees's net worth ratio of 33.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bulab Employees offer compared to banks?
Credit unions like Bulab 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 Bulab 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.