State credit union · Savannah, Tennessee · NCUA charter #68120
Hardin County Hospital Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $987K
- Total assets
- 308
- Members
- 8.5%
- Net-worth ratio
Hardin County Hospital Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $987K; members 308; net-worth ratio 8.46%; health rank #1,354 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,354 of 4,374 health · 2025Q4Hardin County Hospital · health 89/100 · $987K · 2025Q4
- HEALTH 89/100
- NW 8.5%
- DELQ 0.00%
- ROA 0.40%
- ASSETS $987K
- MEM 308
- RANK #1,354/4,374
- PHOTO n/a
- BOOK 68120
Call Report peers
Hardin County Hospital Employees carries $987K 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.
Hardin County Hospital Employees 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
89 Top 31% higher than 69% 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
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.
Peer-gap read for Hardin County Hospital Employees
- Loan-to-Share Ratio leads the peer set - 65.59% here, 52.70% peer average (+12.89 pp).
- Largest lag: Net Worth Ratio at 8.46% vs peer 22.93% (-14.47 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hardin County Hospital Employees in Tennessee
- Tennessee health ordinal: #44 of 127.
- By total assets, Hardin County Hospital Employees is #125 of 127 in Tennessee.
- Tennessee membership ordinal: #121 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.
How Hardin County Hospital Employees's 5300 filing moved
Hardin County Hospital Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.1% from $987K (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted -0.57 pp (9.03% → 8.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.4 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for Hardin County Hospital Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.46% | -14.47 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.40% | +0.17 pp |
| Member Growth | 1.32% | - |
| Loan-to-Share Ratio | 65.59% | +12.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Hardin County Hospital Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.1M | - |
| 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
Branch Location
Hardin County Hospital Employees operates a single office in Savannah, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hardin County Hospital (Main Office) | Savannah, 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.
Hardin County Hospital Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Hardin County Hospital Employees, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Hardin County Hospital Employees ranks #1,354 of 4,374 nationally on financial health and #44 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wcg Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wcg Employees
- 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 Hardin County Hospital Employees financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Hardin County Hospital Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,354 of 4,374; by total assets it ranks #4,240 of 4,374 nationally (same basis as /rankings/largest); and #125 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.46% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Hardin County Hospital Employees compare to other credit unions?
89/100 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 8.46% exceeds 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.
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.