State credit union · Jackson, Tennessee · NCUA charter #61185
Leaders Credit Union
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.29B
- Total assets
- 88,214
- Members
- 11.0%
- Net-worth ratio
Leaders Credit Union scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.29B; members 88,214; net-worth ratio 11.02%; health rank #656 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#656 of 4,374 health · 2025Q4Leaders Credit Union · health 93/100 · $1.29B · 2025Q4
- CHARTER 93/100
- NCUSIF 11.0%
- CAMELS 0.79%
- HEALTH 1.22%
- NW $1.29B
- DELQ 88,214
- ROA #656/4,374
- ASSETS PATRIOT
- MEM 61185
Call Report peers
Leaders Credit Union in the assets neighbourhood
Leaders Credit Union's $1.29B assets sit next to PATRIOT ($1.29B) 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.
Leaders Credit Union 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
93 Top 16% higher than 84% 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
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 vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 99.11% here, 83.90% peer average (+15.21 pp).
- Largest lag: Net Worth Ratio at 11.02% vs peer 11.18% (-0.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Leaders Credit Union: in-state Call Report ranks
- In Tennessee, health place is #23 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #7 of 127 inside Tennessee ($1.29B reported).
- Tennessee membership ordinal: #8 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.
Quarter path for Leaders Credit Union
Leaders Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $1.29B (2025Q4) to $1.31B (2026Q1).
- Net-worth ratio shifted +0.10 pp (10.92% → 11.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.02% | -0.16 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 1.22% | +0.72 pp |
| Member Growth | 11.67% | - |
| Loan-to-Share Ratio | 99.11% | +15.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Leaders Credit Union
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.31B | - |
| 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
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for Leaders Credit Union, spread across 6 cities.
| Office | City |
|---|---|
| Leaders Credit Union (Main Office) | Jackson, TN |
| Arlington | Arlington, TN |
| Bartlett | Bartlett, TN |
| Dyersburg | Dyersburg, TN |
| Oil Well | Jackson, TN |
| N. Highland | Jackson, TN |
| South | Jackson, TN |
| Maplewood | Jackson, TN |
| Thomsen Farms | Jackson, TN |
| Milan | Milan, TN |
| Union City | Union City, 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.
Leaders Credit Union nationwide neighbourhoods
Leaders Credit Union's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.29B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Leaders Credit Union ranks #656 of 4,374 nationally on financial health and #23 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ORION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ORION
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #656 of 4,374; by total assets it ranks #378 of 4,374 nationally (same basis as /rankings/largest); and #7 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.02% 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 11.02% 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.
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.