State credit union · Greeneville, Tennessee · NCUA charter #68144
Hurd Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $4.2M
- Total assets
- 417
- Members
- 37.2%
- Net-worth ratio
Hurd Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68144. See our deposit-insurance coverage note.
Hurd Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth35
- Liquidity (loan-to-share)42
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 37.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 37.17% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 1.87% | 15% |
| Member Growth | -2.11% | 15% |
| Loan-to-Share Ratio | 111.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.2M | 417 |
| 2024Q4 | $4.5M | 426 |
| 2023Q4 | $4.4M | 429 |
Credit Union Details
- Charter Number
- 68144
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- Greeneville
- Data Quarter
- 2025Q4
What This Data Says About Hurd Employees
Headquartered in Greeneville, Tennessee, Hurd Employees is a state credit union with 417 members, $4.2M in total assets, and $3.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 78/100 (Very Good), driven in part by a net worth ratio of 37.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68144 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 111.09% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.82% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.87% on net income of $79K 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 -2.11%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Hurd Employees financially healthy?
A 37.17% net worth ratio and a 0.82% delinquency rate feed into Hurd Employees's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Hurd Employees compare to other credit unions?
Hurd Employees scores 78/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Hurd Employees?
Membership eligibility for Hurd Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hurd Employees directly for current membership requirements and application steps.
Is my money safe at Hurd Employees?
Federal credit unions like Hurd Employees 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. Hurd Employees's net worth ratio of 37.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hurd Employees offer compared to banks?
Credit unions like Hurd Employees 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 Hurd Employees 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.