State credit union · PARIS, Tennessee · NCUA charter #68073
Holley
Health score 98/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $99.9M
- Total assets
- 9,154
- Members
- 13.8%
- Net-worth ratio
Holley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68073 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Holley - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.76% | 30% |
| Delinquency Rate | 0.68% | 25% |
| Return on Assets | 1.14% | 15% |
| Member Growth | 9.93% | 15% |
| Loan-to-Share Ratio | 89.50% | 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 | $99.9M | 9,154 |
| 2024Q4 | $92.6M | 8,327 |
| 2023Q4 | $85.5M | 7,850 |
Credit Union Details
- Charter Number
- 68073
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- PARIS
- Data Quarter
- 2025Q4
What This Data Says About Holley
Headquartered in PARIS, Tennessee, Holley is a state credit union with 9,154 members, $99.9M in total assets, and $76.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 98/100 (Excellent), driven in part by a net worth ratio of 13.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68073 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 0.68% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 89.50% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.14% on net income of $1.1M 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 9.93%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
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 Holley financially healthy?
Holley scores 98/100 (Excellent) 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 13.76% net worth ratio and a 0.68% delinquency rate.
How does Holley compare to other credit unions?
Five weighted metrics from NCUA filings produce Holley's 98/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Holley?
Membership eligibility for Holley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Holley directly for current membership requirements and application steps.
Is my money safe at Holley?
Federal credit unions like Holley 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. Holley's net worth ratio of 13.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Holley offer compared to banks?
Credit unions like Holley 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 Holley 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.