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
Call Report peers
KOIN in the assets neighbourhood
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KOIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KOIN sits in 80-84 with 767 others.
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
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).
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.
- One place up in Tennessee, OUTREACH (#74) ties at 81/100; one place down, TNCONNECT (#76) ties at 81/100.
KOIN Call Report trajectory
KOIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $36.2M (2025Q4) to $36.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.55% → 8.73%).
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
KOIN gives up 19 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is KOIN financially healthy?
KOIN has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,655 of 4,374 nationally on health and #75 of 127 in Tennessee. Its net worth ratio is 8.73% and its delinquency rate 0.44%.
How does KOIN compare to other credit unions?
KOIN scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.62% vs 59.80%). Its widest shortfall is net worth ratio (8.73% vs 14.86%).
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?
KOIN 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. KOIN's net worth ratio of 8.73% 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.