Federal credit union · Clarksville, Tennessee · NCUA charter #9759
FORTERA
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $927.8M
- Total assets
- 83,454
- Members
- 12.6%
- Net-worth ratio
FORTERA scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $927.8M; members 83,454; net-worth ratio 12.58%; health rank #495 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#495 of 4,374 health · 2025Q4FORTERA · health 94/100 · $927.8M · 2025Q4
Call Report peers
FORTERA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FORTERA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FORTERA sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Peer-gap read for FORTERA
- Loan-to-Share Ratio leads the peer set - 90.74% here, 83.90% peer average (+6.84 pp).
Where FORTERA sits in Tennessee
- Tennessee health ordinal: #18 of 127.
- By total assets, FORTERA is #10 of 127 in Tennessee.
- Membership ranks #9 of 127 among Tennessee CUs with a reported count (83,454 members).
- One place up in Tennessee, ETMA (#17) ties at 94/100; one place down, ORNL (#19) ties at 94/100.
How FORTERA's 5300 filing moved
FORTERA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $927.8M (2025Q4) to $938.9M (2026Q1).
- Net-worth ratio shifted +0.38 pp (12.20% → 12.58%).
At 12.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
FORTERA gives up 6 points in total. Delinquency Rate costs the most, 3.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for FORTERA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.58% | +1.40 pp |
| Delinquency Rate | 0.83% | -0.04 pp |
| Return on Assets | 0.65% | +0.14 pp |
| Member Growth | 3.03% | - |
| Loan-to-Share Ratio | 90.74% | +6.84 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $938.9M | - |
| 2025Q4 | $927.8M | 83,454 |
| 2024Q4 | $872.6M | 81,002 |
| 2023Q4 | $875.5M | 78,130 |
Credit Union Details
- Charter Number
- 9759
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Clarksville
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for FORTERA, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Main Office Branch (Main Office) | Clarksville, TN |
| Tiny Town Branch | Clarksville, TN |
| Madison Street Branch | Clarksville, TN |
| Dover Crossing Branch | Clarksville, TN |
| Fort Campbell | Fort Campbell, KY |
| Hopkinsville Wal-Mart Supercenter | Hopkinsville, KY |
| Hopkinsville Griffin Bell Drive | Hopkinsville, KY |
| Nashville Branch | Nashville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- FORTERA ranks #495 of 4,374 nationally on financial health and #18 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ENRICHMENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ENRICHMENT
Frequently Asked Questions
Is FORTERA financially healthy?
FORTERA has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #495 of 4,374 nationally on health and #18 of 127 in Tennessee. Its net worth ratio is 12.58% and its delinquency rate 0.83%.
How does FORTERA compare to other credit unions?
FORTERA scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.74% vs 83.90%).
How can I join FORTERA?
FORTERA 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 FORTERA directly for the exact boundaries and application steps.
Is my money safe at FORTERA?
FORTERA 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. FORTERA's net worth ratio of 12.58% 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.