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
- CAMELS 73/100
- HEALTH 14.2%
- NW 0.26%
- DELQ -0.41%
- ROA $7.1M
- ASSETS 1,281
- MEM #3,400/4,374
- RANK n/a
- PHOTO 63802
Call Report peers
MEMORIAL carries $7.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #63802's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for MEMORIAL
- Tennessee health ordinal: #101 of 127.
- Tennessee assets place: #109 of 127.
- Member book place in Tennessee: #105 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.
MEMORIAL: 2025Q4 → 2026Q1
MEMORIAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.6% from $7.1M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted +0.32 pp (13.86% → 14.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for MEMORIAL - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- 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 MEMORIAL financially healthy?
A 14.18% net worth ratio and a 0.26% delinquency rate feed into MEMORIAL's financial health score of 73/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,400 of 4,374; by total assets it ranks #3,724 of 4,374 nationally (same basis as /rankings/largest); and #109 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MEMORIAL compare to other credit unions?
On PlainCU's health composite, MEMORIAL lands at 73/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like MEMORIAL 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. MEMORIAL's net worth ratio of 14.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MEMORIAL offer compared to banks?
Credit unions like MEMORIAL 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 MEMORIAL 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.