State credit union · Chattanooga, Tennessee · NCUA charter #63802
MEMORIAL
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $7.1M
- Total assets
- 1,281
- Members
- 14.2%
- Net-worth ratio
MEMORIAL scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.1M; members 1,281; net-worth ratio 14.18%; health rank #3,400 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,400 of 4,374 health · 2025Q4MEMORIAL · health 73/100 · $7.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MEMORIAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MEMORIAL sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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
MEMORIAL: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.26% vs peer 1.81% (-1.55 pp).
- Net Worth Ratio trails the peer set - 14.18% here, 19.06% peer average (-4.88 pp).
Tennessee standing for MEMORIAL
- Tennessee health ordinal: #101 of 127.
- Tennessee assets place: #109 of 127.
- Member book place in Tennessee: #105 of 127.
- One place up in Tennessee, Fair Break (#100) ties at 73/100; one place down, Cn/Ic Employees (#102) ties at 73/100.
MEMORIAL: 2025Q4 → 2026Q1
MEMORIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.6% from $7.1M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted +0.32 pp (13.86% → 14.18%).
14.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
MEMORIAL gives up 27 points in total. Return on Assets costs the most, 14.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.8 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for MEMORIAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.18% | -4.88 pp |
| Delinquency Rate | 0.26% | -1.55 pp |
| Return on Assets | -0.41% | -0.87 pp |
| Member Growth | -2.59% | - |
| Loan-to-Share Ratio | 60.21% | -3.39 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - MEMORIAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.9M | - |
| 2025Q4 | $7.1M | 1,281 |
| 2024Q4 | $7.0M | 1,315 |
| 2023Q4 | $8.1M | 1,351 |
Credit Union Details
- Charter Number
- 63802
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- Chattanooga
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, MEMORIAL runs one office.
| Office | City |
|---|---|
| Memorial Credit Union (Main Office) | Chattanooga, TN |
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.
MEMORIAL nationwide neighbourhoods
Using this data
- MEMORIAL ranks #3,400 of 4,374 nationally on financial health and #101 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATHWAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATHWAY
Frequently Asked Questions
Is MEMORIAL financially healthy?
On its 2025Q4 NCUA 5300 filing, MEMORIAL scores 73/100 (Very Good), with a 14.18% net worth ratio and 0.26% of loans delinquent. It ranks #3,400 of 4,374 nationally on health and #101 of 127 in Tennessee.
How does MEMORIAL compare to other credit unions?
MEMORIAL scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.26% vs 1.81%). Its widest shortfall is net worth ratio (14.18% vs 19.06%).
How can I join MEMORIAL?
Membership eligibility for MEMORIAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMORIAL directly for current membership requirements and application steps.
Is my money safe at MEMORIAL?
MEMORIAL 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. MEMORIAL's net worth ratio of 14.18% 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.