State credit union · Hixson, Tennessee · NCUA charter #67747
Scenic Community
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $158.8M
- Total assets
- 14,159
- Members
- 9.4%
- Net-worth ratio
Scenic Community scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $158.8M; members 14,159; net-worth ratio 9.44%; health rank #3,125 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,125 of 4,374 health · 2025Q4Scenic Community · health 77/100 · $158.8M · 2025Q4
- NW 77/100
- DELQ 9.4%
- ROA 1.06%
- ASSETS 0.25%
- MEM $158.8M
- RANK 14,159
- PHOTO #3,125/4,374
- BOOK Minnesota Power Employees
- CHARTER 67747
Call Report peers
Scenic Community in the assets neighbourhood
Scenic Community's $158.8M assets sit next to Minnesota Power Employees ($158.9M) 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.
Scenic Community 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
77 28th percentile higher than 28% 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
Scenic Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67747. See our deposit-insurance coverage note.
Scenic Community: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.93 pp (91.13% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.44% here, 12.11% peer average (-2.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Scenic Community in Tennessee
- Tennessee health ordinal: #92 of 127.
- Tennessee assets place: #33 of 127.
- Member book place in Tennessee: #28 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Scenic Community: 2025Q4 → 2026Q1
Scenic Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $158.8M (2025Q4) to $160.8M (2026Q1).
- Net-worth ratio shifted -0.23 pp (9.67% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 19.5 pts
- Return on Assets 11.2 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 15.0 pts
Scenic Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -2.67 pp |
| Delinquency Rate | 1.06% | +0.17 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -3.51% | - |
| Loan-to-Share Ratio | 91.13% | +18.93 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Scenic Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $160.8M | - |
| 2025Q4 | $158.8M | 14,159 |
| 2024Q4 | $162.7M | 14,674 |
| 2023Q4 | $155.1M | 14,305 |
Credit Union Details
- Charter Number
- 67747
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Hixson
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Scenic Community runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Scenic Community Credit Union (Main Office) | Hixson, TN |
| Scenic Community Credit Union | Chattanooga, TN |
| Executive Offices | Chattanooga, TN |
| Scenic Community Credit Union | Ooltewah, TN |
| Scenic Community Credit Union | Soddy Daisy, 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.
Cross-state Call Report peers for Scenic Community
Cross-state asset and health neighbours for Scenic Community - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($158.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Scenic Community ranks #3,125 of 4,374 nationally on financial health and #92 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Johnsonville Tva Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Johnsonville Tva Employees
- 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 Scenic Community financially healthy?
A 9.44% net worth ratio and a 1.06% delinquency rate feed into Scenic Community's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,125 of 4,374; by total assets it ranks #1,458 of 4,374 nationally (same basis as /rankings/largest); and #33 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Scenic Community compare to other credit unions?
On PlainCU's health composite, Scenic Community lands at 77/100, compared to a peer group average for $100M–$500M 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 Scenic Community?
Membership eligibility for Scenic Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Scenic Community directly for current membership requirements and application steps.
Is my money safe at Scenic Community?
Federal credit unions like Scenic Community 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. Scenic Community's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Scenic Community offer compared to banks?
Credit unions like Scenic Community 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 Scenic Community 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.