State credit union · Brentwood, Tennessee · NCUA charter #68172
KOIN
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $36.2M
- Total assets
- 2,111
- Members
- 8.7%
- Net-worth ratio
KOIN scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.2M; members 2,111; net-worth ratio 8.73%; health rank #2,655 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,655 of 4,374 health · 2025Q4KOIN · health 81/100 · $36.2M · 2025Q4
- ROA 81/100
- ASSETS 8.7%
- MEM 0.44%
- RANK -0.62%
- PHOTO $36.2M
- BOOK 2,111
- CHARTER #2,655/4,374
- NCUSIF HOME
- CAMELS 68172
Call Report peers
KOIN in the assets neighbourhood
KOIN's $36.2M assets sit next to HOME ($36.2M) 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.
KOIN 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
81 39th percentile higher than 39% 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
KOIN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68172, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where KOIN diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 65.62% here, 59.80% peer average (+5.82 pp).
- Net Worth Ratio trails the peer set - 8.73% here, 14.86% peer average (-6.13 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
KOIN in Tennessee
- In Tennessee, health place is #75 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #77 of 127.
- Tennessee membership ordinal: #85 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.
KOIN Call Report trajectory
KOIN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $36.2M (2025Q4) to $36.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.55% → 8.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.73% | -6.13 pp |
| Delinquency Rate | 0.44% | -0.70 pp |
| Return on Assets | -0.62% | -1.33 pp |
| Member Growth | 7.76% | - |
| Loan-to-Share Ratio | 65.62% | +5.82 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 | $36.0M | - |
| 2025Q4 | $36.2M | 2,111 |
| 2024Q4 | $38.0M | 1,959 |
| 2023Q4 | $38.5M | 1,892 |
Credit Union Details
- Charter Number
- 68172
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Brentwood
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for KOIN, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Brentwood, TN |
| CUProdigy | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Other-state peers near KOIN
KOIN's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- KOIN ranks #2,655 of 4,374 nationally on financial health and #75 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Knoxville Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Knoxville Firefighters
- 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 KOIN financially healthy?
KOIN has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,655 of 4,374; by total assets it ranks #2,700 of 4,374 nationally (same basis as /rankings/largest); and #77 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.73% and delinquency rate of 0.44%.
How does KOIN compare to other credit unions?
PlainCU's health composite puts KOIN at 81/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 KOIN?
Membership eligibility for KOIN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact KOIN directly for current membership requirements and application steps.
Is my money safe at KOIN?
Federal credit unions like KOIN 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. KOIN's net worth ratio of 8.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KOIN offer compared to banks?
Credit unions like KOIN 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 KOIN 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.