Federal credit union · Copperhill, Tennessee · NCUA charter #16773
Copper Basin
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $69.4M
- Total assets
- 6,123
- Members
- 11.6%
- Net-worth ratio
Copper Basin scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.4M; members 6,123; net-worth ratio 11.56%; health rank #390 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#390 of 4,374 health · 2025Q4Copper Basin · health 95/100 · $69.4M · 2025Q4
- ROA 95/100
- ASSETS 11.6%
- MEM 0.96%
- RANK 1.60%
- PHOTO $69.4M
- BOOK 6,123
- CHARTER #390/4,374
- NCUSIF BROKAW
- CAMELS 16773
Call Report peers
Copper Basin in the assets neighbourhood
Copper Basin's $69.4M assets sit next to BROKAW ($69.5M) 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.
Copper Basin 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
95 Top 10% higher than 90% 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
Copper Basin - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16773: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Copper Basin: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +25.42 pp (88.02% vs 62.60%).
- Largest lag: Net Worth Ratio at 11.56% vs peer 13.62% (-2.06 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Copper Basin in Tennessee
- Health composite ranks #13 of 127 among scored Tennessee credit unions.
- Assets rank #54 of 127 inside Tennessee ($69.4M reported).
- Membership ranks #50 of 127 among Tennessee CUs with a reported count (6,123 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.
Copper Basin: 2025Q4 → 2026Q1
Copper Basin: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $69.4M (2025Q4) to $69.4M (2026Q1).
- Net-worth ratio shifted +0.62 pp (10.94% → 11.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Copper Basin
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.56% | -2.06 pp |
| Delinquency Rate | 0.96% | -0.00 pp |
| Return on Assets | 1.60% | +0.94 pp |
| Member Growth | 4.40% | - |
| Loan-to-Share Ratio | 88.02% | +25.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Copper Basin quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.4M | - |
| 2025Q4 | $69.4M | 6,123 |
| 2024Q4 | $59.8M | 5,865 |
| 2023Q4 | $56.5M | 5,661 |
Credit Union Details
- Charter Number
- 16773
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Copperhill
- Data Quarter
- 2025Q4
Branch Locations (2)
Copper Basin operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Copper Basin Federal Credit Union (Main Office) | Copperhill, TN |
| Copper Basin Federal Credit Union | Blue Ridge, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Copper Basin's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($69.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Copper Basin ranks #390 of 4,374 nationally on financial health and #13 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Middle Tennessee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Middle Tennessee
- 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 Copper Basin financially healthy?
Copper Basin has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #390 of 4,374; by total assets it ranks #2,145 of 4,374 nationally (same basis as /rankings/largest); and #54 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.56% and delinquency rate of 0.96%.
How does Copper Basin compare to other credit unions?
95/100 is Copper Basin's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Copper Basin?
Copper Basin 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 Copper Basin directly for the exact boundaries and application steps.
Is my money safe at Copper Basin?
Federal credit unions like Copper Basin 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. Copper Basin's net worth ratio of 11.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Copper Basin offer compared to banks?
Credit unions like Copper Basin 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 Copper Basin 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.