State credit union · MARYVILLE, Tennessee · NCUA charter #68077
Maryville Municipal
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $23.2M
- Total assets
- 917
- Members
- 16.2%
- Net-worth ratio
Maryville Municipal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68077 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Maryville Municipal - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth52
- Liquidity (loan-to-share)53
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.22% | 30% |
| Delinquency Rate | 0.11% | 25% |
| Return on Assets | 1.55% | 15% |
| Member Growth | -0.65% | 15% |
| Loan-to-Share Ratio | 21.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $23.2M | 917 |
| 2024Q4 | $22.2M | 923 |
| 2023Q4 | $21.6M | 943 |
Credit Union Details
- Charter Number
- 68077
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- MARYVILLE
- Data Quarter
- 2025Q4
What This Data Says About Maryville Municipal
The five-factor composite scores Maryville Municipal at 86/100 (Excellent), reflecting a net worth ratio of 16.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in MARYVILLE, Tennessee, reports 917 members, $23.2M in total assets, and $4.1M in outstanding loans as of Q4 2025 under charter #68077 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
0.11% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 21.19% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.55% on net income of $359K 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 -0.65%. 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
Other federally-insured credit unions in Tennessee, closest first by peer group 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 Maryville Municipal financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Maryville Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.22% net worth ratio and 0.11% delinquency rate are the key drivers.
How does Maryville Municipal compare to other credit unions?
Maryville Municipal scores 86/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Maryville Municipal?
Membership eligibility for Maryville Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Maryville Municipal directly for current membership requirements and application steps.
Is my money safe at Maryville Municipal?
Federal credit unions like Maryville Municipal 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. Maryville Municipal's net worth ratio of 16.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maryville Municipal offer compared to banks?
Credit unions like Maryville Municipal 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 Maryville Municipal 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.