Federal credit union · Memphis, Tennessee · NCUA charter #24961
Fair Break
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $22
- Total assets
- 1
- Members
- 100.0%
- Net-worth ratio
Fair Break scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22; members 1; net-worth ratio 100.00%; health rank #3,376 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,376 of 4,374 health · 2025Q4Fair Break · health 73/100 · $22 · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fair Break vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Fair Break sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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
Where Fair Break diverges from peer averages
- Net Worth Ratio leads the peer set - 100.00% here, 22.93% peer average (+77.07 pp).
- Largest lag: Return on Assets at 0.00% vs peer 0.22% (-0.22 pp).
Fair Break in Tennessee
- Health composite ranks #100 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #127 of 127.
- Membership ranks #127 of 127 among Tennessee CUs with a reported count (1 members).
- One place up in Tennessee, FEDTRUST (#99) scores 74/100, 1 point higher; one place down, MEMORIAL (#101) ties at 73/100.
Fair Break Call Report trajectory
Fair Break: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $22 (2025Q4) to $22 (2026Q1).
- Net-worth ratio shifted +0.00 pp (100.00% → 100.00%).
This credit union's 100.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Fair Break gives up 27 points in total. Return on Assets costs the most, 17.5 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 50.0 pts
- Return on Assets 7.5 pts
- Member Growth 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 100.00% | +77.07 pp |
| Delinquency Rate | - | - |
| Return on Assets | 0.00% | -0.22 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | - | - |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Fair Break quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22 | - |
| 2025Q4 | $22 | 1 |
| 2024Q4 | $2K | 1 |
Credit Union Details
- Charter Number
- 24961
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
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
- Fair Break ranks #3,376 of 4,374 nationally on financial health and #100 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Olivet Baptist is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Olivet Baptist
Frequently Asked Questions
Is Fair Break financially healthy?
On its 2025Q4 NCUA 5300 filing, Fair Break scores 73/100 (Very Good), with a 100.00% net worth ratio and - of loans delinquent. It ranks #3,376 of 4,374 nationally on health and #100 of 127 in Tennessee.
How does Fair Break compare to other credit unions?
Fair Break scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (100.00% vs 22.93%). Its widest shortfall is return on assets (0.00% vs 0.22%).
How can I join Fair Break?
Fair Break 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 Fair Break directly for the exact boundaries and application steps.
Is my money safe at Fair Break?
Fair Break 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. Fair Break's net worth ratio of 100.00% 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.