Federal credit union · HERMITAGE, Tennessee · NCUA charter #8922
OUTREACH
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $34.4M
- Total assets
- 2,143
- Members
- 11.1%
- Net-worth ratio
OUTREACH scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.4M; members 2,143; net-worth ratio 11.06%; health rank #2,614 of 4,374; healthier than 39th of scored peers.
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#2,614 of 4,374 health · 2025Q4OUTREACH · health 81/100 · $34.4M · 2025Q4
Call Report peers
OUTREACH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OUTREACH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OUTREACH sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where OUTREACH diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.60 pp (0.55% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 55.71% vs peer 59.80% (-4.09 pp).
Where OUTREACH sits in Tennessee
- Health composite ranks #74 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #78 of 127.
- Tennessee membership ordinal: #82 of 127.
- One place up in Tennessee, Knoxville Law Enforcement (#73) ties at 81/100; one place down, KOIN (#75) ties at 81/100.
Quarter path for OUTREACH
OUTREACH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $34.4M (2025Q4) to $34.6M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.10% → 11.06%).
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
OUTREACH gives up 19 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 9.9 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 11.5 pts
OUTREACH health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.06% | -3.80 pp |
| Delinquency Rate | 0.55% | -0.60 pp |
| Return on Assets | 0.16% | -0.54 pp |
| Member Growth | -2.19% | - |
| Loan-to-Share Ratio | 55.71% | -4.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - OUTREACH
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.6M | - |
| 2025Q4 | $34.4M | 2,143 |
| 2024Q4 | $33.0M | 2,191 |
| 2023Q4 | $27.2M | 1,856 |
Credit Union Details
- Charter Number
- 8922
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- HERMITAGE
- Data Quarter
- 2025Q4
Branch Locations (2)
OUTREACH operates 2 offices in Hermitage, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Outreach Federal Credit Union (Main Office) | Hermitage, TN |
| Outreach Federal Credit Union | Hermitage, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- OUTREACH ranks #2,614 of 4,374 nationally on financial health and #74 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Patriot Equity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Patriot Equity
Frequently Asked Questions
Is OUTREACH financially healthy?
On its 2025Q4 NCUA 5300 filing, OUTREACH scores 81/100 (Excellent), with a 11.06% net worth ratio and 0.55% of loans delinquent. It ranks #2,614 of 4,374 nationally on health and #74 of 127 in Tennessee.
How does OUTREACH compare to other credit unions?
OUTREACH scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.55% vs 1.15%). Its widest shortfall is loan-to-share ratio (55.71% vs 59.80%).
How can I join OUTREACH?
OUTREACH operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact OUTREACH directly for the exact boundaries and application steps.
Is my money safe at OUTREACH?
OUTREACH is a federal 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. OUTREACH's net worth ratio of 11.06% 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.