State credit union · Greeneville, Tennessee · NCUA charter #60056
CONSUMER
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $647.3M
- Total assets
- 31,119
- Members
- 10.5%
- Net-worth ratio
CONSUMER scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $647.3M; members 31,119; net-worth ratio 10.55%; health rank #2,304 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,304 of 4,374 health · 2025Q4CONSUMER · health 83/100 · $647.3M · 2025Q4
- CAMELS 83/100
- HEALTH 10.5%
- NW 0.10%
- DELQ 0.31%
- ROA $647.3M
- ASSETS 31,119
- MEM #2,304/4,374
- RANK ALIGN
- PHOTO 60056
Call Report peers
CONSUMER in the assets neighbourhood
CONSUMER's $647.3M assets sit next to ALIGN ($647.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CONSUMER 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
83 46th percentile higher than 46% 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
CONSUMER - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60056 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for CONSUMER
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +3.16 pp (87.06% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -0.63 pp (10.55% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CONSUMER in Tennessee
- Tennessee health ordinal: #69 of 127.
- Tennessee assets place: #13 of 127.
- Membership ranks #17 of 127 among Tennessee CUs with a reported count (31,119 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CONSUMER Call Report trajectory
CONSUMER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $647.3M (2025Q4) to $651.2M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.60% → 10.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.2 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for CONSUMER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.55% | -0.63 pp |
| Delinquency Rate | 0.10% | -0.77 pp |
| Return on Assets | 0.31% | -0.19 pp |
| Member Growth | -4.35% | - |
| Loan-to-Share Ratio | 87.06% | +3.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - CONSUMER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $651.2M | - |
| 2025Q4 | $647.3M | 31,119 |
| 2024Q4 | $618.9M | 32,533 |
| 2023Q4 | $628.3M | 34,335 |
Credit Union Details
- Charter Number
- 60056
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Greeneville
- Data Quarter
- 2025Q4
Branch Locations (8)
CONSUMER operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Consumer Credit Union (Main Office) | Greeneville, TN |
| Myers Street Service Center | Greeneville, TN |
| Jefferson City Service Center | Jefferson City, TN |
| Johnson City Service Center | Johnson City, TN |
| Knoxville Service Center | Knoxville, TN |
| Morristown East Service Center | Morristown, TN |
| Morristown West Service Center | Morristown, TN |
| Mosheim Service Center | Mosheim, 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.
Other-state peers near CONSUMER
CONSUMER's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($647.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- CONSUMER ranks #2,304 of 4,374 nationally on financial health and #69 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fedex Employees Credit Association is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fedex Employees Credit Association
- 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 CONSUMER financially healthy?
CONSUMER scores 83/100 (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 #2,304 of 4,374; by total assets it ranks #652 of 4,374 nationally (same basis as /rankings/largest); and #13 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.55% net worth ratio and a 0.10% delinquency rate.
How does CONSUMER compare to other credit unions?
On PlainCU's health composite, CONSUMER lands at 83/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 CONSUMER?
Membership eligibility for CONSUMER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CONSUMER directly for current membership requirements and application steps.
Is my money safe at CONSUMER?
Federal credit unions like CONSUMER 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. CONSUMER's net worth ratio of 10.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CONSUMER offer compared to banks?
Credit unions like CONSUMER 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 CONSUMER 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.