Federal credit union · MEMPHIS, Tennessee · NCUA charter #13233
FEDTRUST
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $54.8M
- Total assets
- 2,893
- Members
- 6.9%
- Net-worth ratio
FEDTRUST scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.8M; members 2,893; net-worth ratio 6.89%; health rank #3,375 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,375 of 4,374 health · 2025Q4FEDTRUST · health 74/100 · $54.8M · 2025Q4
Call Report peers
FEDTRUST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FEDTRUST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FEDTRUST sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
FEDTRUST: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 83.37% vs peer 62.60% (+20.77 pp).
- Largest lag: Net Worth Ratio at 6.89% vs peer 13.62% (-6.73 pp).
FEDTRUST: in-state Call Report ranks
- In Tennessee, health place is #99 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #61 of 127.
- Member book place in Tennessee: #75 of 127.
- One place up in Tennessee, Southeast Financial (#98) ties at 74/100; one place down, Fair Break (#100) scores 73/100, 1 point lower.
FEDTRUST Call Report trajectory
FEDTRUST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $54.8M (2025Q4) to $56.4M (2026Q1).
- Net-worth ratio shifted -0.06 pp (6.95% → 6.89%).
At 6.89%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 74/100 score is built
FEDTRUST gives up 26 points in total. Member Growth costs the most, 14.3 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 21.7 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for FEDTRUST
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.89% | -6.73 pp |
| Delinquency Rate | 0.82% | -0.14 pp |
| Return on Assets | 0.51% | -0.15 pp |
| Member Growth | -4.58% | - |
| Loan-to-Share Ratio | 83.37% | +20.77 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
FEDTRUST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $56.4M | - |
| 2025Q4 | $54.8M | 2,893 |
| 2024Q4 | $49.8M | 3,032 |
| 2023Q4 | $47.9M | 3,186 |
Credit Union Details
- Charter Number
- 13233
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- MEMPHIS
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, FEDTRUST runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Memphis, TN |
| Hwy 64 | Arlington, TN |
| ATTCO | Memphis, TN |
| Eaglecrest | Memphis, TN |
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 FEDTRUST
Similar total assets
Similar health score
Using this data
- FEDTRUST ranks #3,375 of 4,374 nationally on financial health and #99 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEALTHNET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEALTHNET
Frequently Asked Questions
Is FEDTRUST financially healthy?
FEDTRUST has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,375 of 4,374 nationally on health and #99 of 127 in Tennessee. Its net worth ratio is 6.89% and its delinquency rate 0.82%.
How does FEDTRUST compare to other credit unions?
FEDTRUST scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (83.37% vs 62.60%). Its widest shortfall is net worth ratio (6.89% vs 13.62%).
How can I join FEDTRUST?
FEDTRUST 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 FEDTRUST directly for the current list of qualifying groups.
Is my money safe at FEDTRUST?
FEDTRUST 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. FEDTRUST's net worth ratio of 6.89% is relative to 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.