State credit union · GALLATIN, Tennessee · NCUA charter #63868
Gallatin Steam Plant
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $7.6M
- Total assets
- 633
- Members
- 17.6%
- Net-worth ratio
Gallatin Steam Plant scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.6M; members 633; net-worth ratio 17.57%; health rank #1,579 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,579 of 4,374 health · 2025Q4Gallatin Steam Plant · health 87/100 · $7.6M · 2025Q4
- ASSETS 87/100
- MEM 17.6%
- RANK 0.89%
- PHOTO 1.06%
- BOOK $7.6M
- CHARTER 633
- NCUSIF #1,579/4,374
- CAMELS n/a
- HEALTH 63868
Call Report peers
Gallatin Steam Plant carries $7.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gallatin Steam Plant 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
87 Top 40% higher than 60% 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
Gallatin Steam Plant - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63868: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Gallatin Steam Plant diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 74.09% here, 63.60% peer average (+10.49 pp).
- Net Worth Ratio trails the peer set - 17.57% here, 19.06% peer average (-1.49 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gallatin Steam Plant: in-state Call Report ranks
- Health composite ranks #51 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #108 of 127.
- Tennessee membership ordinal: #114 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.
Quarter path for Gallatin Steam Plant
Gallatin Steam Plant: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $7.6M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted -0.20 pp (17.77% → 17.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 15.0 pts
Gallatin Steam Plant vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.57% | -1.49 pp |
| Delinquency Rate | 0.89% | -0.92 pp |
| Return on Assets | 1.06% | +0.61 pp |
| Member Growth | -1.71% | - |
| Loan-to-Share Ratio | 74.09% | +10.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Gallatin Steam Plant
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.8M | - |
| 2025Q4 | $7.6M | 633 |
| 2024Q4 | $7.7M | 644 |
| 2023Q4 | $6.9M | 649 |
Credit Union Details
- Charter Number
- 63868
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- GALLATIN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Gallatin Steam Plant.
| Office | City |
|---|---|
| Gallatin Steam Plant (Main Office) | Gallatin, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Cross-state Call Report peers for Gallatin Steam Plant
Gallatin Steam Plant's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Gallatin Steam Plant ranks #1,579 of 4,374 nationally on financial health and #51 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEMORIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEMORIAL
- 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 Gallatin Steam Plant financially healthy?
Gallatin Steam Plant has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,579 of 4,374; by total assets it ranks #3,700 of 4,374 nationally (same basis as /rankings/largest); and #108 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.57% and delinquency rate of 0.89%.
How does Gallatin Steam Plant compare to other credit unions?
PlainCU's health composite puts Gallatin Steam Plant at 87/100, compared to a peer group average for $2M–$10M 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 Gallatin Steam Plant?
Membership eligibility for Gallatin Steam Plant depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Gallatin Steam Plant directly for current membership requirements and application steps.
Is my money safe at Gallatin Steam Plant?
Federal credit unions like Gallatin Steam Plant 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. Gallatin Steam Plant's net worth ratio of 17.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gallatin Steam Plant offer compared to banks?
Credit unions like Gallatin Steam Plant 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 Gallatin Steam Plant 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.