Federal credit union · SEVIERVILLE, Tennessee · NCUA charter #23060
Sevier County Schools
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $12.8M
- Total assets
- 1,385
- Members
- 20.8%
- Net-worth ratio
Sevier County Schools scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.8M; members 1,385; net-worth ratio 20.76%; health rank #878 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#878 of 4,374 health · 2025Q4Sevier County Schools · health 91/100 · $12.8M · 2025Q4
- ASSETS 91/100
- MEM 20.8%
- RANK 0.00%
- PHOTO 3.00%
- BOOK $12.8M
- CHARTER 1,385
- NCUSIF #878/4,374
- CAMELS Local Union 1186 Ibew
- HEALTH 23060
Call Report peers
Sevier County Schools in the assets neighbourhood
Sevier County Schools's $12.8M assets sit next to Local Union 1186 Ibew ($12.8M) 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.
Sevier County Schools 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
91 Top 23% higher than 77% 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
Sevier County Schools - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23060. See our deposit-insurance coverage note.
Peer-gap read for Sevier County Schools
- Largest favorable gap: Net Worth Ratio at 20.76% vs peer 14.86% (+5.90 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.67 pp (54.13% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sevier County Schools: in-state Call Report ranks
- Health composite ranks #30 of 127 among scored Tennessee credit unions.
- Assets rank #104 of 127 inside Tennessee ($12.8M reported).
- Member book place in Tennessee: #103 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.
How Sevier County Schools's 5300 filing moved
Sevier County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +10.0% from $12.8M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted -1.46 pp (22.22% → 20.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.76% | +5.90 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 3.00% | +2.29 pp |
| Member Growth | 0.14% | - |
| Loan-to-Share Ratio | 54.13% | -5.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Sevier County Schools
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.1M | - |
| 2025Q4 | $12.8M | 1,385 |
| 2024Q4 | $12.4M | 1,383 |
| 2023Q4 | $12.6M | 1,347 |
Credit Union Details
- Charter Number
- 23060
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- SEVIERVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
Sevier County Schools operates 2 offices in Sevierville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Sevier County Schools FCU (Main Office) | Sevierville, TN |
| Vital Records | Sevierville, 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
Cross-state asset and health neighbours for Sevier County Schools - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Sevier County Schools ranks #878 of 4,374 nationally on financial health and #30 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I B E W 175 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I B E W 175
- 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 Sevier County Schools financially healthy?
Sevier County Schools has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #878 of 4,374; by total assets it ranks #3,418 of 4,374 nationally (same basis as /rankings/largest); and #104 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.76% and delinquency rate of 0.00%.
How does Sevier County Schools compare to other credit unions?
On PlainCU's health composite, Sevier County Schools lands at 91/100, compared to a peer group average for $10M–$50M 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 Sevier County Schools?
Sevier County Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Sevier County Schools directly to confirm eligibility.
Is my money safe at Sevier County Schools?
Federal credit unions like Sevier County Schools 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. Sevier County Schools's net worth ratio of 20.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sevier County Schools offer compared to banks?
Credit unions like Sevier County Schools 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 Sevier County Schools 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.