Federal credit union · WEST PADUCAH, Kentucky · NCUA charter #9497
Shawnee Tva Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $6.6M
- Total assets
- 599
- Members
- 22.9%
- Net-worth ratio
Shawnee Tva Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.6M; members 599; net-worth ratio 22.86%; health rank #1,879 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,879 of 4,374 health · 2025Q4Shawnee Tva Employees · health 85/100 · $6.6M · 2025Q4
- NW 85/100
- DELQ 22.9%
- ROA 0.00%
- ASSETS 1.72%
- MEM $6.6M
- RANK 599
- PHOTO #1,879/4,374
- BOOK n/a
- CHARTER 9497
Call Report peers
Shawnee Tva Employees carries $6.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Shawnee Tva Employees 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
85 Top 46% higher than 54% 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
Shawnee Tva Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9497 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Shawnee Tva Employees vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +5.07 pp (68.67% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Shawnee Tva Employees: in-state Call Report ranks
- Kentucky health ordinal: #20 of 54.
- Assets rank #50 of 54 inside Kentucky ($6.6M reported).
- Membership ranks #51 of 54 among Kentucky CUs with a reported count (599 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Shawnee Tva Employees's 5300 filing moved
Shawnee Tva Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $6.6M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted +0.82 pp (22.04% → 22.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Shawnee Tva Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.86% | +3.80 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.72% | +1.26 pp |
| Member Growth | -37.54% | - |
| Loan-to-Share Ratio | 68.67% | +5.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Shawnee Tva Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.4M | - |
| 2025Q4 | $6.6M | 599 |
| 2024Q4 | $5.9M | 959 |
| 2023Q4 | $6.6M | 636 |
Credit Union Details
- Charter Number
- 9497
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Kentucky
- City
- WEST PADUCAH
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Shawnee Tva Employees.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | WEST PADUCAH, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Shawnee Tva Employees - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Shawnee Tva Employees ranks #1,879 of 4,374 nationally on financial health and #20 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MSD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MSD
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky 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 Shawnee Tva Employees financially healthy?
A 22.86% net worth ratio and a 0.00% delinquency rate feed into Shawnee Tva Employees's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,879 of 4,374; by total assets it ranks #3,753 of 4,374 nationally (same basis as /rankings/largest); and #50 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Shawnee Tva Employees compare to other credit unions?
On PlainCU's health composite, Shawnee Tva Employees lands at 85/100, compared to a peer group average for $2M–$10M 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 Shawnee Tva Employees?
Shawnee Tva Employees 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 Shawnee Tva Employees directly for the exact boundaries and application steps.
Is my money safe at Shawnee Tva Employees?
Federal credit unions like Shawnee Tva Employees 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. Shawnee Tva Employees's net worth ratio of 22.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Shawnee Tva Employees offer compared to banks?
Credit unions like Shawnee Tva Employees 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 Shawnee Tva Employees 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.