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
Call Report peers
CONSUMER in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CONSUMER sits in 80-84 with 767 others.
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
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%).
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).
- One place up in Tennessee, Knoxville Teachers (#68) ties at 83/100; one place down, Shelby County (#70) scores 82/100, 1 point lower.
CONSUMER Call Report trajectory
CONSUMER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $647.3M (2025Q4) to $651.2M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.60% → 10.55%).
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
CONSUMER gives up 17 points in total. Member Growth costs the most, 13.8 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 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is CONSUMER financially healthy?
CONSUMER has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,304 of 4,374 nationally on health and #69 of 127 in Tennessee. Its net worth ratio is 10.55% and its delinquency rate 0.10%.
How does CONSUMER compare to other credit unions?
CONSUMER scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.06% vs 83.90%). Its widest shortfall is net worth ratio (10.55% vs 11.18%).
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?
CONSUMER 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. CONSUMER's net worth ratio of 10.55% 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.