Federal credit union · Cordova, Tennessee · NCUA charter #9994
Healthnet
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $54.4M
- Total assets
- 4,481
- Members
- 14.0%
- Net-worth ratio
Healthnet - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9994: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Healthnet - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)76
- Member growth18
- Liquidity (loan-to-share)58
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.00% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.00% | 30% |
| Delinquency Rate | 0.13% | 25% |
| Return on Assets | 0.26% | 15% |
| Member Growth | -3.53% | 15% |
| Loan-to-Share Ratio | 30.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $54.4M | 4,481 |
| 2024Q4 | $54.7M | 4,645 |
| 2023Q4 | $56.5M | 4,784 |
Credit Union Details
- Charter Number
- 9994
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Cordova
- Data Quarter
- 2025Q4
What This Data Says About Healthnet
Charter #9994, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Healthnet, a federal credit union in Cordova, Tennessee with 4,481 members, $54.4M in total assets, and $13.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 78/100 (Very Good), helped by a net worth ratio of 14.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.13% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 30.07% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.26% on net income of $142K 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 -3.53%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Healthnet financially healthy?
Healthnet scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.00% net worth ratio and a 0.13% delinquency rate.
How does Healthnet compare to other credit unions?
Healthnet scores 78/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Healthnet?
Healthnet operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Healthnet directly for the exact boundaries and application steps.
Is my money safe at Healthnet?
Federal credit unions like Healthnet 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. Healthnet's net worth ratio of 14.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Healthnet offer compared to banks?
Credit unions like Healthnet 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 Healthnet 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.