State credit union · Knoxville, Tennessee · NCUA charter #60645
New South Credit Union
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $86.3M
- Total assets
- 6,748
- Members
- 14.5%
- Net-worth ratio
New South Credit Union scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.3M; members 6,748; net-worth ratio 14.51%; health rank #1,221 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,221 of 4,374 health · 2025Q4New South Credit Union · health 89/100 · $86.3M · 2025Q4
Call Report peers
New South Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
New South Credit Union vs every NCUA-scored credit union
New South Credit Union sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
New South Credit Union: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.89 pp (14.51% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 47.06% vs peer 62.60% (-15.54 pp).
Tennessee standing for New South Credit Union
- Health composite ranks #42 of 127 among scored Tennessee credit unions.
- Assets rank #47 of 127 inside Tennessee ($86.3M reported).
- Membership ranks #43 of 127 among Tennessee CUs with a reported count (6,748 members).
- One place up in Tennessee, Kennedy Va Employees (#41) ties at 89/100; one place down, U. T. (#43) ties at 89/100.
How New South Credit Union's 5300 filing moved
New South Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $86.3M (2025Q4) to $90.3M (2026Q1).
- Net-worth ratio shifted -0.24 pp (14.75% → 14.51%).
This credit union's 14.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
New South Credit Union gives up 11 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for New South Credit Union
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.51% | +0.89 pp |
| Delinquency Rate | 0.40% | -0.57 pp |
| Return on Assets | 0.88% | +0.23 pp |
| Member Growth | -0.16% | - |
| Loan-to-Share Ratio | 47.06% | -15.54 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $90.3M | - |
| 2025Q4 | $86.3M | 6,748 |
| 2024Q4 | $78.5M | 6,759 |
| 2023Q4 | $74.8M | 6,718 |
Credit Union Details
- Charter Number
- 60645
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Knoxville
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, New South Credit Union runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Knoxville, TN |
| Branch - Blaine | Blaine, TN |
| Branch - Maynardville | Maynardville, 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.
Nationwide credit unions with similar profiles
Using this data
- New South Credit Union ranks #1,221 of 4,374 nationally on financial health and #42 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TNCONNECT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TNCONNECT
Frequently Asked Questions
Is New South Credit Union financially healthy?
New South Credit Union has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,221 of 4,374 nationally on health and #42 of 127 in Tennessee. Its net worth ratio is 14.51% and its delinquency rate 0.40%.
How does New South Credit Union compare to other credit unions?
New South Credit Union scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (14.51% vs 13.62%). Its widest shortfall is loan-to-share ratio (47.06% vs 62.60%).
How can I join New South Credit Union?
Membership eligibility for New South Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact New South Credit Union directly for current membership requirements and application steps.
Is my money safe at New South Credit Union?
New South Credit Union is a state-chartered 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. New South Credit Union's net worth ratio of 14.51% 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.