State credit union · CHATTANOOGA, Tennessee · NCUA charter #68173
Healthcare Services
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $24.6M
- Total assets
- 3,116
- Members
- 15.5%
- Net-worth ratio
Healthcare Services scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.6M; members 3,116; net-worth ratio 15.52%; health rank #747 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#747 of 4,374 health · 2025Q4Healthcare Services · health 92/100 · $24.6M · 2025Q4
- PHOTO 92/100
- BOOK 15.5%
- CHARTER 0.40%
- NCUSIF 0.72%
- CAMELS $24.6M
- HEALTH 3,116
- NW #747/4,374
- DELQ New Brunswick Postal
- ROA 68173
Call Report peers
Healthcare Services in the assets neighbourhood
Healthcare Services's $24.6M assets sit next to New Brunswick Postal ($24.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Healthcare Services 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
92 Top 20% higher than 80% 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
Healthcare Services - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68173, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Healthcare Services
- Largest favorable gap: Loan-to-Share Ratio at 70.55% vs peer 59.80% (+10.75 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Healthcare Services sits in Tennessee
- Health composite ranks #26 of 127 among scored Tennessee credit unions.
- Assets rank #88 of 127 inside Tennessee ($24.6M reported).
- Member book place in Tennessee: #72 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 Healthcare Services's 5300 filing moved
Healthcare Services: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $24.6M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.64% → 15.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 15.4 pts
Healthcare Services health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.52% | +0.66 pp |
| Delinquency Rate | 0.40% | -0.74 pp |
| Return on Assets | 0.72% | +0.01 pp |
| Member Growth | -1.33% | - |
| Loan-to-Share Ratio | 70.55% | +10.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Healthcare Services
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.1M | - |
| 2025Q4 | $24.6M | 3,116 |
| 2024Q4 | $23.6M | 3,158 |
| 2023Q4 | $23.7M | 3,176 |
Credit Union Details
- Charter Number
- 68173
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
Branch Locations (2)
Healthcare Services operates 2 offices in Chattanooga, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Chattanooga, TN |
| Drive-Thur Branch | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Healthcare Services nationwide neighbourhoods
Two NCUA Call Report peer sets for Healthcare Services, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Healthcare Services ranks #747 of 4,374 nationally on financial health and #26 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kennedy Va Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kennedy Va 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 Healthcare Services financially healthy?
A 15.52% net worth ratio and a 0.40% delinquency rate feed into Healthcare Services's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #747 of 4,374; by total assets it ranks #3,005 of 4,374 nationally (same basis as /rankings/largest); and #88 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Healthcare Services compare to other credit unions?
92/100 is Healthcare Services's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Healthcare Services?
Membership eligibility for Healthcare Services depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Healthcare Services directly for current membership requirements and application steps.
Is my money safe at Healthcare Services?
Federal credit unions like Healthcare Services 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. Healthcare Services's net worth ratio of 15.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Healthcare Services offer compared to banks?
Credit unions like Healthcare Services 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 Healthcare Services 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.