Federal credit union · Cordova, Tennessee · NCUA charter #9994
HEALTHNET
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $54.4M
- Total assets
- 4,481
- Members
- 13.8%
- Net-worth ratio
HEALTHNET scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.4M; members 4,481; net-worth ratio 13.84%; health rank #2,963 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,963 of 4,374 health · 2025Q4HEALTHNET · health 78/100 · $54.4M · 2025Q4
- HEALTH 78/100
- NW 13.8%
- DELQ 0.13%
- ROA 0.26%
- ASSETS $54.4M
- MEM 4,481
- RANK #2,963/4,374
- PHOTO PENN
- BOOK 9994
Call Report peers
HEALTHNET in the assets neighbourhood
HEALTHNET's $54.4M assets sit next to PENN ($54.5M) 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.
HEALTHNET 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
78 31st percentile higher than 31% 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
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 vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.13% here, 0.96% peer average (-0.83 pp).
- Largest lag: Loan-to-Share Ratio at 30.07% vs peer 62.60% (-32.53 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
HEALTHNET in Tennessee
- Tennessee health ordinal: #84 of 127.
- Assets rank #62 of 127 inside Tennessee ($54.4M reported).
- Member book place in Tennessee: #59 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.
HEALTHNET Call Report trajectory
HEALTHNET: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $54.4M (2025Q4) to $55.2M (2026Q1).
- Net-worth ratio shifted -0.16 pp (14.00% → 13.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.4 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 9.0 pts
HEALTHNET vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.84% | +0.22 pp |
| Delinquency Rate | 0.13% | -0.83 pp |
| Return on Assets | 0.26% | -0.40 pp |
| Member Growth | -3.53% | - |
| Loan-to-Share Ratio | 30.07% | -32.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
HEALTHNET quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.2M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for HEALTHNET, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Chickering Lane (Main Office) | Cordova, TN |
| Walnut Grove | Memphis, TN |
| Southaven | Southaven, MS |
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.
Other-state peers near HEALTHNET
HEALTHNET's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($54.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- HEALTHNET ranks #2,963 of 4,374 nationally on financial health and #84 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FEDTRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FEDTRUST
- 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 HEALTHNET financially healthy?
HEALTHNET scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,963 of 4,374; by total assets it ranks #2,341 of 4,374 nationally (same basis as /rankings/largest); and #62 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.84% 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 13.84% 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.
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.