State credit union · NASHVILLE, Tennessee · NCUA charter #67922
Nashville Post Office
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $80.0M
- Total assets
- 4,300
- Members
- 16.4%
- Net-worth ratio
Nashville Post Office - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67922: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Nashville Post Office - 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)72
- Earnings (ROA)92
- Member growth19
- Liquidity (loan-to-share)79
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.40% | 30% |
| Delinquency Rate | 1.25% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -3.46% | 15% |
| Loan-to-Share Ratio | 56.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $80.0M | 4,300 |
| 2024Q4 | $73.6M | 4,454 |
| 2023Q4 | $69.4M | 4,452 |
Credit Union Details
- Charter Number
- 67922
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- NASHVILLE
- Data Quarter
- 2025Q4
What This Data Says About Nashville Post Office
Nashville Post Office is a state credit union headquartered in NASHVILLE, Tennessee, serving 4,300 members with $80.0M in total assets and $37.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 16.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67922 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 56.16% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.25% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at 0.42% on net income of $336K 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 -3.46%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Post Office financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Nashville Post Office's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.40% net worth ratio and 1.25% delinquency rate are the key drivers.
How does Nashville Post Office compare to other credit unions?
Nashville Post Office scores 77/100 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 Nashville Post Office?
Membership eligibility for Nashville Post Office depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Nashville Post Office directly for current membership requirements and application steps.
Is my money safe at Nashville Post Office?
Federal credit unions like Nashville Post Office 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 Post Office's net worth ratio of 16.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nashville Post Office offer compared to banks?
Credit unions like Nashville Post Office 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 Post Office 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.