Federal credit union · COOKEVILLE, Tennessee · NCUA charter #19700
Middle Tennessee
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $68.6M
- Total assets
- 5,532
- Members
- 16.5%
- Net-worth ratio
Middle Tennessee scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $68.6M; members 5,532; net-worth ratio 16.47%; health rank #1,585 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,585 of 4,374 health · 2025Q4Middle Tennessee · health 87/100 · $68.6M · 2025Q4
Call Report peers
Middle Tennessee in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Middle Tennessee vs every NCUA-scored credit union
Middle Tennessee sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Middle Tennessee
- Net Worth Ratio leads the peer set - 16.47% here, 13.62% peer average (+2.85 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.21 pp (1.17% vs 0.96%).
Tennessee standing for Middle Tennessee
- Tennessee health ordinal: #52 of 127.
- By total assets, Middle Tennessee is #55 of 127 in Tennessee.
- Member book place in Tennessee: #53 of 127.
- One place up in Tennessee, Gallatin Steam Plant (#51) ties at 87/100; one place down, Kingsport Press Cu (#53) ties at 87/100.
Middle Tennessee: 2025Q4 → 2026Q1
Middle Tennessee: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $68.6M (2025Q4) to $70.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (16.44% → 16.47%).
At 16.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Middle Tennessee gives up 13 points in total. Delinquency Rate costs the most, 6.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 14.0 pts
Middle Tennessee health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.47% | +2.85 pp |
| Delinquency Rate | 1.17% | +0.21 pp |
| Return on Assets | 2.16% | +1.50 pp |
| Member Growth | 0.24% | - |
| Loan-to-Share Ratio | 64.44% | +1.84 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Middle Tennessee filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.6M | - |
| 2025Q4 | $68.6M | 5,532 |
| 2024Q4 | $66.9M | 5,519 |
| 2023Q4 | $61.6M | 5,457 |
Credit Union Details
- Charter Number
- 19700
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- COOKEVILLE
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Middle Tennessee.
| Office | City |
|---|---|
| Main (Main Office) | Cookeville, TN |
| Cummins Branch | Cookeville, TN |
| Oak Street Branch | Cookeville, 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.
Middle Tennessee nationwide neighbourhoods
Similar total assets
Using this data
- Middle Tennessee ranks #1,585 of 4,374 nationally on financial health and #52 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Copper Basin is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Copper Basin
Frequently Asked Questions
Is Middle Tennessee financially healthy?
On its 2025Q4 NCUA 5300 filing, Middle Tennessee scores 87/100 (Excellent), with a 16.47% net worth ratio and 1.17% of loans delinquent. It ranks #1,585 of 4,374 nationally on health and #52 of 127 in Tennessee.
How does Middle Tennessee compare to other credit unions?
Middle Tennessee scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.47% vs 13.62%). Its widest shortfall is delinquency rate (1.17% vs 0.96%).
How can I join Middle Tennessee?
Middle Tennessee operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Middle Tennessee directly for the exact boundaries and application steps.
Is my money safe at Middle Tennessee?
Middle Tennessee is a federal 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. Middle Tennessee's net worth ratio of 16.47% 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.