State credit union · CHARLESTON, Tennessee · NCUA charter #67946
Hiwassee River
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $26.9M
- Total assets
- 1,962
- Members
- 10.7%
- Net-worth ratio
Hiwassee River scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.9M; members 1,962; net-worth ratio 10.74%; health rank #2,299 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,299 of 4,374 health · 2025Q4Hiwassee River · health 83/100 · $26.9M · 2025Q4
Call Report peers
Hiwassee River in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hiwassee River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hiwassee River sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Hiwassee River vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.21% here, 1.15% peer average (-0.94 pp).
- Largest lag: Loan-to-Share Ratio at 51.94% vs peer 59.80% (-7.86 pp).
Tennessee standing for Hiwassee River
- Health composite ranks #67 of 127 among scored Tennessee credit unions.
- Assets rank #85 of 127 inside Tennessee ($26.9M reported).
- Member book place in Tennessee: #87 of 127.
- One place up in Tennessee, Happy Valley (#66) ties at 83/100; one place down, Knoxville Teachers (#68) ties at 83/100.
Hiwassee River: 2025Q4 → 2026Q1
Hiwassee River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $26.9M (2025Q4) to $27.9M (2026Q1).
- Net-worth ratio shifted -0.25 pp (10.99% → 10.74%).
At 10.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Hiwassee River gives up 17 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.9 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 10.5 pts
Hiwassee River vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.74% | -4.12 pp |
| Delinquency Rate | 0.21% | -0.94 pp |
| Return on Assets | 0.49% | -0.21 pp |
| Member Growth | -3.54% | - |
| Loan-to-Share Ratio | 51.94% | -7.86 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Hiwassee River filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.9M | - |
| 2025Q4 | $26.9M | 1,962 |
| 2024Q4 | $28.3M | 2,034 |
| 2023Q4 | $29.5M | 2,064 |
Credit Union Details
- Charter Number
- 67946
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CHARLESTON
- Data Quarter
- 2025Q4
Branch Locations (3)
Hiwassee River operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hiwassee River Credit Union (Main Office) | Charleston, TN |
| Bowater Employees Credit Union | Calhoun, TN |
| SouthEast Bank | Cleveland, 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.
Other-state peers near Hiwassee River
Similar total assets
Using this data
- Hiwassee River ranks #2,299 of 4,374 nationally on financial health and #67 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chattanooga First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chattanooga First
Frequently Asked Questions
Is Hiwassee River financially healthy?
Hiwassee River has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,299 of 4,374 nationally on health and #67 of 127 in Tennessee. Its net worth ratio is 10.74% and its delinquency rate 0.21%.
How does Hiwassee River compare to other credit unions?
Hiwassee River scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.21% vs 1.15%). Its widest shortfall is loan-to-share ratio (51.94% vs 59.80%).
How can I join Hiwassee River?
Membership eligibility for Hiwassee River depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hiwassee River directly for current membership requirements and application steps.
Is my money safe at Hiwassee River?
Hiwassee River is a state-chartered credit union; its shares are federally 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. Hiwassee River's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.