State credit union · GALLATIN, Tennessee · NCUA charter #63868
Gallatin Steam Plant
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $7.6M
- Total assets
- 633
- Members
- 17.8%
- Net-worth ratio
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.
Gallatin Steam Plant - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth40
- Liquidity (loan-to-share)100
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.77% | 30% |
| Delinquency Rate | 0.89% | 25% |
| Return on Assets | 1.06% | 15% |
| Member Growth | -1.71% | 15% |
| Loan-to-Share Ratio | 74.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Gallatin Steam Plant
633 members and $7.6M in total assets sit behind Gallatin Steam Plant, a state credit union in GALLATIN, Tennessee, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $4.6M in outstanding loans as of Q4 2025 and a net worth ratio of 17.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63868 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.89% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 74.09% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.06% on net income of $81K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.71%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.77% 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 17.77% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.