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
- PHOTO 87/100
- BOOK 16.5%
- CHARTER 1.17%
- NCUSIF 2.16%
- CAMELS $68.6M
- HEALTH 5,532
- NW #1,585/4,374
- DELQ PARISHIONERS
- ROA 19700
Call Report peers
Middle Tennessee in the assets neighbourhood
Middle Tennessee's $68.6M assets sit next to PARISHIONERS ($68.7M) 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.
Middle Tennessee 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
87 Top 40% higher than 60% 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
Middle Tennessee - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19700 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Middle Tennessee: 2025Q4 → 2026Q1
Middle Tennessee: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $68.6M (2025Q4) to $70.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (16.44% → 16.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Middle Tennessee - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($68.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Middle Tennessee financially healthy?
A 16.47% net worth ratio and a 1.17% delinquency rate feed into Middle Tennessee's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,585 of 4,374; by total assets it ranks #2,154 of 4,374 nationally (same basis as /rankings/largest); and #55 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Middle Tennessee compare to other credit unions?
Middle Tennessee scores 87/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Middle Tennessee 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. Middle Tennessee's net worth ratio of 16.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Middle Tennessee offer compared to banks?
Credit unions like Middle Tennessee 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 Middle Tennessee 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.