State credit union · Nashville, Tennessee · NCUA charter #68071
St. Thomas
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $38.0M
- Total assets
- 2,445
- Members
- 12.0%
- Net-worth ratio
St. Thomas scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.0M; members 2,445; net-worth ratio 11.97%; health rank #3,470 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,470 of 4,374 health · 2025Q4St. Thomas · health 72/100 · $38.0M · 2025Q4
Call Report peers
St. Thomas in the assets neighbourhood
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St. Thomas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Thomas sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
St. Thomas vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.11% vs peer 59.80% (+25.31 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.89 pp (11.97% vs 14.86%).
Where St. Thomas sits in Tennessee
- In Tennessee, health place is #105 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #73 of 127 inside Tennessee ($38.0M reported).
- Membership ranks #79 of 127 among Tennessee CUs with a reported count (2,445 members).
- One place up in Tennessee, Kimberly Clark (#104) ties at 72/100; one place down, TRUST (#106) ties at 72/100.
Quarter path for St. Thomas
St. Thomas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $38.0M (2025Q4) to $38.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.87% → 11.97%).
This credit union's 11.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
St. Thomas gives up 28 points in total. Delinquency Rate costs the most, 19.7 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.3 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.0 pts
St. Thomas health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.97% | -2.89 pp |
| Delinquency Rate | 3.15% | +2.00 pp |
| Return on Assets | 1.07% | +0.37 pp |
| Member Growth | -1.25% | - |
| Loan-to-Share Ratio | 85.11% | +25.31 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - St. Thomas
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.3M | - |
| 2025Q4 | $38.0M | 2,445 |
| 2024Q4 | $39.2M | 2,476 |
| 2023Q4 | $36.3M | 2,541 |
Credit Union Details
- Charter Number
- 68071
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Nashville
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, St. Thomas runs one office.
| Office | City |
|---|---|
| STCU MAIN OFFICE (Main Office) | Nashville, 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.
Other-state peers near St. Thomas
Similar total assets
Similar health score
Using this data
- St. Thomas ranks #3,470 of 4,374 nationally on financial health and #105 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Nashville Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Nashville Firemen's
Frequently Asked Questions
Is St. Thomas financially healthy?
On its 2025Q4 NCUA 5300 filing, St. Thomas scores 72/100 (Very Good), with a 11.97% net worth ratio and 3.15% of loans delinquent. It ranks #3,470 of 4,374 nationally on health and #105 of 127 in Tennessee.
How does St. Thomas compare to other credit unions?
St. Thomas scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (85.11% vs 59.80%). Its widest shortfall is net worth ratio (11.97% vs 14.86%).
How can I join St. Thomas?
Membership eligibility for St. Thomas depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Thomas directly for current membership requirements and application steps.
Is my money safe at St. Thomas?
St. Thomas is a state-chartered 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. St. Thomas's net worth ratio of 11.97% 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.