Federal credit union · Memphis, Tennessee · NCUA charter #9639
F a a
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $126.8M
- Total assets
- 7,710
- Members
- 18.3%
- Net-worth ratio
F a a scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $126.8M; members 7,710; net-worth ratio 18.34%; health rank #3,148 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,148 of 4,374 health · 2025Q4F a a · health 76/100 · $126.8M · 2025Q4
Call Report peers
F a a in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
F a a vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); F a a sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
F a a: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 18.34% here, 12.11% peer average (+6.23 pp).
- Largest lag: Loan-to-Share Ratio at 44.24% vs peer 72.20% (-27.96 pp).
F a a in Tennessee
- Tennessee health ordinal: #94 of 127.
- Tennessee assets place: #38 of 127.
- Tennessee membership ordinal: #39 of 127.
- One place up in Tennessee, Greeneville Works Empls. Sav. Assn. (#93) ties at 76/100; one place down, Tva Mid-South (#95) ties at 76/100.
How F a a's 5300 filing moved
F a a: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $126.8M (2025Q4) to $130.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (18.35% → 18.34%).
At 18.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
F a a gives up 24 points in total. Member Growth costs the most, 13.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 9.9 pts
F a a vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.34% | +6.23 pp |
| Delinquency Rate | 1.06% | +0.17 pp |
| Return on Assets | 1.68% | +1.06 pp |
| Member Growth | -4.09% | - |
| Loan-to-Share Ratio | 44.24% | -27.96 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - F a a
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $130.2M | - |
| 2025Q4 | $126.8M | 7,710 |
| 2024Q4 | $122.7M | 8,039 |
| 2023Q4 | $123.9M | 8,322 |
Credit Union Details
- Charter Number
- 9639
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for F a a, spread across 4 cities in 3 states.
| Office | City |
|---|---|
| Main Office-Admin Site (Main Office) | Cordova, TN |
| Wolfchase Branch | Cordova, TN |
| Houston Branch | Houston, TX |
| Centennial Branch | Memphis, TN |
| Memphis Service Center | Memphis, TN |
| Tupelo Main Office | Tupelo, MS |
| Tupelo South | Tupelo, MS |
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.
Other-state peers near F a a
Similar total assets
Using this data
- F a a ranks #3,148 of 4,374 nationally on financial health and #94 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Upper Cumberland is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Upper Cumberland
Frequently Asked Questions
Is F a a financially healthy?
F a a has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,148 of 4,374 nationally on health and #94 of 127 in Tennessee. Its net worth ratio is 18.34% and its delinquency rate 1.06%.
How does F a a compare to other credit unions?
F a a scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (18.34% vs 12.11%). Its widest shortfall is loan-to-share ratio (44.24% vs 72.20%).
How can I join F a a?
F a a serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact F a a directly for the current list of qualifying groups.
Is my money safe at F a a?
F a a 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. F a a's net worth ratio of 18.34% 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.