State credit union · NASHVILLE, Tennessee · NCUA charter #60483
Nashville Firemen's
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $37.0M
- Total assets
- 3,228
- Members
- 13.7%
- Net-worth ratio
Nashville Firemen's - Share Insurance Coverage
Charter #60483'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.
Nashville Firemen's - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)99
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.71% | 30% |
| Delinquency Rate | 0.57% | 25% |
| Return on Assets | 1.15% | 15% |
| Member Growth | 1.38% | 15% |
| Loan-to-Share Ratio | 90.20% | 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 | $37.0M | 3,228 |
| 2024Q4 | $39.8M | 3,184 |
| 2023Q4 | $34.2M | 3,086 |
Credit Union Details
- Charter Number
- 60483
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- NASHVILLE
- Data Quarter
- 2025Q4
What This Data Says About Nashville Firemen's
3,228 members and $37.0M in total assets sit behind Nashville Firemen's, a state credit union in NASHVILLE, Tennessee, which posts a health score of 95/100 (Excellent) on the five-factor composite, with $26.7M in outstanding loans as of Q4 2025 and a net worth ratio of 13.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60483 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.57% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 90.20% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.15% on net income of $424K 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 1.38%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
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 Nashville Firemen's financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Nashville Firemen's's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.71% net worth ratio and 0.57% delinquency rate are the key drivers.
How does Nashville Firemen's compare to other credit unions?
Five weighted metrics from NCUA filings produce Nashville Firemen's's 95/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Nashville Firemen's?
Membership eligibility for Nashville Firemen's depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Nashville Firemen's directly for current membership requirements and application steps.
Is my money safe at Nashville Firemen's?
Federal credit unions like Nashville Firemen's 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. Nashville Firemen's's net worth ratio of 13.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nashville Firemen's offer compared to banks?
Credit unions like Nashville Firemen's 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 Nashville Firemen's 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.