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
- CAMELS 89/100
- HEALTH 14.5%
- NW 0.40%
- DELQ 0.88%
- ROA $86.3M
- ASSETS 6,748
- MEM #1,221/4,374
- RANK SNOCOPE
- PHOTO 60645
Call Report peers
New South Credit Union in the assets neighbourhood
New South Credit Union's $86.3M assets sit next to SNOCOPE ($86.3M) 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.
New South Credit Union 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
89 Top 31% higher than 69% 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
New South Credit Union - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60645 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
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 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).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How New South Credit Union's 5300 filing moved
New South Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $86.3M (2025Q4) to $90.3M (2026Q1).
- Net-worth ratio shifted -0.24 pp (14.75% → 14.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
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).
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
New South Credit Union's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 New South Credit Union financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, New South Credit Union carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,221 of 4,374; by total assets it ranks #1,957 of 4,374 nationally (same basis as /rankings/largest); and #47 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.51% net worth ratio and a 0.40% delinquency rate.
How does New South Credit Union compare to other credit unions?
New South Credit Union scores 89/100 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 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?
Federal credit unions like New South Credit Union 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. New South Credit Union's net worth ratio of 14.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New South Credit Union offer compared to banks?
Credit unions like New South Credit Union 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 New South Credit Union 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.