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
- NCUSIF 74/100
- CAMELS 6.9%
- HEALTH 0.82%
- NW 0.51%
- DELQ $54.8M
- ROA 2,893
- ASSETS #3,375/4,374
- MEM Blue Mountain
- RANK 13233
Call Report peers
FEDTRUST in the assets neighbourhood
FEDTRUST's $54.8M assets sit next to Blue Mountain ($54.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% 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
FEDTRUST - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13233. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FEDTRUST Call Report trajectory
FEDTRUST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $54.8M (2025Q4) to $56.4M (2026Q1).
- Net-worth ratio shifted -0.06 pp (6.95% → 6.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.89%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
FEDTRUST's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($54.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FEDTRUST financially healthy?
A 6.89% net worth ratio and a 0.82% delinquency rate feed into FEDTRUST's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,375 of 4,374; by total assets it ranks #2,337 of 4,374 nationally (same basis as /rankings/largest); and #61 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FEDTRUST compare to other credit unions?
PlainCU's health composite puts FEDTRUST at 74/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like FEDTRUST 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. FEDTRUST's net worth ratio of 6.89% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does FEDTRUST offer compared to banks?
Credit unions like FEDTRUST 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 FEDTRUST directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.