Federal credit union · Knoxville, Tennessee · NCUA charter #10676
Knox County Teachers
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $33.9M
- Total assets
- 2,138
- Members
- 15.2%
- Net-worth ratio
Knox County Teachers scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.9M; members 2,138; net-worth ratio 15.16%; health rank #750 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#750 of 4,374 health · 2025Q4Knox County Teachers · health 92/100 · $33.9M · 2025Q4
- DELQ 92/100
- ROA 15.2%
- ASSETS 0.49%
- MEM 1.77%
- RANK $33.9M
- PHOTO 2,138
- BOOK #750/4,374
- CHARTER Northwestern Energy Employees
- NCUSIF 10676
Call Report peers
Knox County Teachers in the assets neighbourhood
Knox County Teachers's $33.9M assets sit next to Northwestern Energy Employees ($33.8M) 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.
Knox County Teachers 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
92 Top 20% higher than 80% 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
Knox County Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10676. See our deposit-insurance coverage note.
Where Knox County Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +12.50 pp (72.30% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Knox County Teachers in Tennessee
- Tennessee health ordinal: #27 of 127.
- Assets rank #80 of 127 inside Tennessee ($33.9M reported).
- Membership ranks #83 of 127 among Tennessee CUs with a reported count (2,138 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Knox County Teachers
Knox County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $33.9M (2025Q4) to $34.4M (2026Q1).
- Net-worth ratio shifted +0.12 pp (15.04% → 15.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Knox County Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.16% | +0.30 pp |
| Delinquency Rate | 0.49% | -0.66 pp |
| Return on Assets | 1.77% | +1.07 pp |
| Member Growth | -1.11% | - |
| Loan-to-Share Ratio | 72.30% | +12.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.4M | - |
| 2025Q4 | $33.9M | 2,138 |
| 2024Q4 | $33.5M | 2,162 |
| 2023Q4 | $34.5M | 2,191 |
Credit Union Details
- Charter Number
- 10676
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Knoxville
- Data Quarter
- 2025Q4
Branch Locations (2)
Knox County Teachers operates 2 offices in Knoxville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| North Office (Main Office) | Knoxville, TN |
| West Branch | Knoxville, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Knox County Teachers, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Knox County Teachers ranks #750 of 4,374 nationally on financial health and #27 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Patriot Equity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Patriot Equity
- 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 Knox County Teachers financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Knox County Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #750 of 4,374; by total assets it ranks #2,751 of 4,374 nationally (same basis as /rankings/largest); and #80 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.16% net worth ratio and 0.49% delinquency rate are the key drivers.
How does Knox County Teachers compare to other credit unions?
92/100 is Knox County Teachers's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Knox County Teachers?
Knox County Teachers 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 Knox County Teachers directly for the exact boundaries and application steps.
Is my money safe at Knox County Teachers?
Federal credit unions like Knox County Teachers 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. Knox County Teachers's net worth ratio of 15.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Knox County Teachers offer compared to banks?
Credit unions like Knox County Teachers 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 Knox County Teachers 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.