Federal credit union · Copperhill, Tennessee · NCUA charter #16773
Copper Basin
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $69.4M
- Total assets
- 6,123
- Members
- 10.9%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth95
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.94% | 30% |
| Delinquency Rate | 0.96% | 25% |
| Return on Assets | 1.60% | 15% |
| Member Growth | 4.40% | 15% |
| Loan-to-Share Ratio | 88.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Copper Basin
Copper Basin is a federal credit union headquartered in Copperhill, Tennessee, serving 6,123 members with $69.4M in total assets and $52.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 95/100 (Excellent), anchored by a net worth ratio of 10.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #16773 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.96% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 88.02% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.60% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.40%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.94% 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 10.94% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.