State credit union · Knoxville, Tennessee · NCUA charter #60645
New South Credit Union
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $86.3M
- Total assets
- 6,748
- Members
- 14.4%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth58
- Liquidity (loan-to-share)68
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.41% 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 | 14.41% | 30% |
| Delinquency Rate | 0.40% | 25% |
| Return on Assets | 0.88% | 15% |
| Member Growth | -0.16% | 15% |
| Loan-to-Share Ratio | 47.06% | 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 | $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
What This Data Says About New South Credit Union
Charter #60645, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's New South Credit Union, a state credit union in Knoxville, Tennessee with 6,748 members, $86.3M in total assets, and $34.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 89/100 (Excellent), helped by a net worth ratio of 14.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 47.06% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.40% 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 tighter than peers. Return on assets stands at 0.88% on net income of $763K 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 -0.16%. 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
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.41% 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 14.41% 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.
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.