State credit union · Savannah, Tennessee · NCUA charter #68120
Hardin County Hospital Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $987K
- Total assets
- 308
- Members
- 5.8%
- Net-worth ratio
Hardin County Hospital Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68120. See our deposit-insurance coverage note.
Hardin County Hospital Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)48
- Asset quality (delinquency)100
- Earnings (ROA)90
- Member growth71
- Liquidity (loan-to-share)93
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.82% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.82% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | 1.32% | 15% |
| Loan-to-Share Ratio | 65.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $987K | 308 |
| 2024Q4 | $1.2M | 304 |
| 2023Q4 | $979K | 294 |
Credit Union Details
- Charter Number
- 68120
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Tennessee
- City
- Savannah
- Data Quarter
- 2025Q4
What This Data Says About Hardin County Hospital Employees
308 members and $987K in total assets sit behind Hardin County Hospital Employees, a state credit union in Savannah, Tennessee, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $583K in outstanding loans as of Q4 2025 and a net worth ratio of 5.82% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68120 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 65.59% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 0.40% on net income of $4K 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 1.32%. 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 Hardin County Hospital Employees financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Hardin County Hospital Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 5.82% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Hardin County Hospital Employees compare to other credit unions?
78/100 is Hardin County Hospital Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Hardin County Hospital Employees?
Membership eligibility for Hardin County Hospital Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hardin County Hospital Employees directly for current membership requirements and application steps.
Is my money safe at Hardin County Hospital Employees?
Federal credit unions like Hardin County Hospital Employees 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. Hardin County Hospital Employees's net worth ratio of 5.82% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Hardin County Hospital Employees offer compared to banks?
Credit unions like Hardin County Hospital Employees 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 Hardin County Hospital Employees 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.