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
Call Report peers
Copper Basin in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Copper Basin sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Tennessee, Nashville Firemen's (#12) ties at 95/100; one place down, Employee Resources (#14) ties at 95/100.
Copper Basin: 2025Q4 → 2026Q1
Copper Basin: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $69.4M (2025Q4) to $69.4M (2026Q1).
- Net-worth ratio shifted +0.62 pp (10.94% → 11.56%).
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
Copper Basin gives up 5 points in total. Delinquency Rate costs the most, 4.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Copper Basin financially healthy?
Copper Basin has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #390 of 4,374 nationally on health and #13 of 127 in Tennessee. Its net worth ratio is 11.56% and its delinquency rate 0.96%.
How does Copper Basin compare to other credit unions?
Copper Basin scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (88.02% vs 62.60%). Its widest shortfall is net worth ratio (11.56% vs 13.62%).
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?
Copper Basin is a federal 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. Copper Basin's net worth ratio of 11.56% 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.