State credit union · MEMPHIS, Tennessee · NCUA charter #68069
Cn/Ic Employees
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $10.3M
- Total assets
- 1,201
- Members
- 14.0%
- Net-worth ratio
Cn/Ic Employees scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.3M; members 1,201; net-worth ratio 13.99%; health rank #3,403 of 4,374; healthier than 21st of scored peers.
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NCUA 5300 Call Report Masthead
#3,403 of 4,374 health · 2025Q4Cn/Ic Employees · health 73/100 · $10.3M · 2025Q4
Call Report peers
Cn/Ic Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cn/Ic Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cn/Ic Employees sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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 Cn/Ic Employees
- Loan-to-Share Ratio leads the peer set - 81.81% here, 59.80% peer average (+22.01 pp).
- Largest lag: Return on Assets at -0.24% vs peer 0.70% (-0.95 pp).
Cn/Ic Employees: in-state Call Report ranks
- Tennessee health ordinal: #102 of 127.
- Tennessee assets place: #107 of 127.
- Member book place in Tennessee: #106 of 127.
- One place up in Tennessee, MEMORIAL (#101) ties at 73/100; one place down, Beacon Financial (#103) ties at 73/100.
Quarter path for Cn/Ic Employees
Cn/Ic Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $10.3M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (14.15% → 13.99%).
13.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Cn/Ic Employees gives up 27 points in total. Return on Assets costs the most, 12.7 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.2 pts
- Return on Assets 2.3 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Cn/Ic Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.99% | -0.87 pp |
| Delinquency Rate | 1.64% | +0.50 pp |
| Return on Assets | -0.24% | -0.95 pp |
| Member Growth | 1.18% | - |
| Loan-to-Share Ratio | 81.81% | +22.01 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Cn/Ic Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.4M | - |
| 2025Q4 | $10.3M | 1,201 |
| 2024Q4 | $9.9M | 1,187 |
| 2023Q4 | $9.7M | 1,143 |
Credit Union Details
- Charter Number
- 68069
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- MEMPHIS
- Data Quarter
- 2025Q4
Branch Location
Cn/Ic Employees operates a single office in MEMPHIS, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CN/IC EMPLOYEES CREDIT UNION (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.
Cn/Ic Employees nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Cn/Ic Employees ranks #3,403 of 4,374 nationally on financial health and #102 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bcbst Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bcbst Employees
Frequently Asked Questions
Is Cn/Ic Employees financially healthy?
Cn/Ic Employees has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,403 of 4,374 nationally on health and #102 of 127 in Tennessee. Its net worth ratio is 13.99% and its delinquency rate 1.64%.
How does Cn/Ic Employees compare to other credit unions?
Cn/Ic Employees scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.81% vs 59.80%). Its widest shortfall is return on assets (-0.24% vs 0.70%).
How can I join Cn/Ic Employees?
Membership eligibility for Cn/Ic Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cn/Ic Employees directly for current membership requirements and application steps.
Is my money safe at Cn/Ic Employees?
Cn/Ic 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. Cn/Ic Employees's net worth ratio of 13.99% 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.