State credit union · NASHVILLE, Tennessee · NCUA charter #67937
Dixie Line
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $13.2M
- Total assets
- 830
- Members
- 17.3%
- Net-worth ratio
Dixie Line - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67937: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Dixie Line - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)65
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.33% | 30% |
| Delinquency Rate | 1.49% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | -29.18% | 15% |
| Loan-to-Share Ratio | 71.84% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $13.2M | 830 |
| 2024Q4 | $12.8M | 1,172 |
| 2023Q4 | $11.6M | 901 |
Credit Union Details
- Charter Number
- 67937
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- NASHVILLE
- Data Quarter
- 2025Q4
What This Data Says About Dixie Line
Headquartered in NASHVILLE, Tennessee, Dixie Line is a state credit union with 830 members, $13.2M in total assets, and $7.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 76/100 (Very Good), driven in part by a net worth ratio of 17.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67937 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 1.49% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 71.84% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.61% on net income of $80K 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 -29.18%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Dixie Line financially healthy?
A 17.33% net worth ratio and a 1.49% delinquency rate feed into Dixie Line's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Dixie Line compare to other credit unions?
On PlainCU's health composite, Dixie Line lands at 76/100, compared to a peer group average for $10M–$50M 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 Dixie Line?
Membership eligibility for Dixie Line depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dixie Line directly for current membership requirements and application steps.
Is my money safe at Dixie Line?
Federal credit unions like Dixie Line 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. Dixie Line's net worth ratio of 17.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dixie Line offer compared to banks?
Credit unions like Dixie Line 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 Dixie Line 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.