State credit union · Cordova, Tennessee · NCUA charter #68165
Olivet Baptist
Health score 40/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $616K
- Total assets
- 896
- Members
- 3.5%
- Net-worth ratio
Olivet Baptist - Share Insurance Coverage
Charter #68165'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.
Olivet Baptist - 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)30
- Asset quality (delinquency)25
- Earnings (ROA)100
- Member growth9
- Liquidity (loan-to-share)55
Weighted composite: 40/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 3.54% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.54% | 30% |
| Delinquency Rate | 2.99% | 25% |
| Return on Assets | 1.78% | 15% |
| Member Growth | -4.27% | 15% |
| Loan-to-Share Ratio | 24.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $616K | 896 |
| 2024Q4 | $632K | 936 |
| 2023Q4 | $732K | 964 |
Credit Union Details
- Charter Number
- 68165
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Tennessee
- City
- Cordova
- Data Quarter
- 2025Q4
What This Data Says About Olivet Baptist
896 members and $616K in total assets sit behind Olivet Baptist, a state credit union in Cordova, Tennessee, which posts a health score of 40/100 (Below Average) on the five-factor composite, with $128K in outstanding loans as of Q4 2025 and a net worth ratio of 3.54% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68165 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 2.99% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 24.51% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.78% on net income of $11K 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 -4.27%. 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
Other federally-insured credit unions in Tennessee, closest first by peer group 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 Olivet Baptist financially healthy?
A 3.54% net worth ratio and a 2.99% delinquency rate feed into Olivet Baptist's financial health score of 40/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Olivet Baptist compare to other credit unions?
On PlainCU's health composite, Olivet Baptist lands at 40/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Olivet Baptist?
Membership eligibility for Olivet Baptist depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Olivet Baptist directly for current membership requirements and application steps.
Is my money safe at Olivet Baptist?
Federal credit unions like Olivet Baptist 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. Olivet Baptist's net worth ratio of 3.54% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Olivet Baptist offer compared to banks?
Credit unions like Olivet Baptist 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 Olivet Baptist 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.