State credit union · Jackson, Tennessee · NCUA charter #61185
Leaders Credit Union
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.29B
- Total assets
- 88,214
- Members
- 9.9%
- Net-worth ratio
Leaders Credit Union - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61185: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Leaders Credit Union - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)73
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.93% | 30% |
| Delinquency Rate | 0.79% | 25% |
| Return on Assets | 1.22% | 15% |
| Member Growth | 11.67% | 15% |
| Loan-to-Share Ratio | 99.11% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.29B | 88,214 |
| 2024Q4 | $1.14B | 78,996 |
| 2023Q4 | $988.7M | 74,455 |
Credit Union Details
- Charter Number
- 61185
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Jackson
- Data Quarter
- 2025Q4
What This Data Says About Leaders Credit Union
The five-factor composite scores Leaders Credit Union at 93/100 (Excellent), reflecting a net worth ratio of 9.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Jackson, Tennessee, reports 88,214 members, $1.29B in total assets, and $1.09B in outstanding loans as of Q4 2025 under charter #61185 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.79% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 99.11% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.22% on net income of $15.8M 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 11.67%. 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
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
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 Leaders Credit Union financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Leaders Credit Union's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.93% net worth ratio and 0.79% delinquency rate are the key drivers.
How does Leaders Credit Union compare to other credit unions?
93/100 is Leaders Credit Union's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Leaders Credit Union?
Membership eligibility for Leaders Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Leaders Credit Union directly for current membership requirements and application steps.
Is my money safe at Leaders Credit Union?
Federal credit unions like Leaders Credit Union 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. Leaders Credit Union's net worth ratio of 9.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Leaders Credit Union offer compared to banks?
Credit unions like Leaders Credit Union 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 Leaders Credit Union 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.