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
- CAMELS 72/100
- HEALTH 12.0%
- NW 3.15%
- DELQ 1.07%
- ROA $38.0M
- ASSETS 2,445
- MEM #3,470/4,374
- RANK Norwin Teachers
- PHOTO 68071
Call Report peers
St. Thomas in the assets neighbourhood
St. Thomas's $38.0M assets sit next to Norwin Teachers ($38.0M) 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.
St. Thomas 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
72 20th percentile higher than 20% 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
St. Thomas - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68071, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for St. Thomas
St. Thomas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $38.0M (2025Q4) to $38.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.87% → 11.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- 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 |
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 - 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
St. Thomas's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
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
- 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 St. Thomas financially healthy?
A 11.97% net worth ratio and a 3.15% delinquency rate feed into St. Thomas's financial health score of 72/100 (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 #3,470 of 4,374; by total assets it ranks #2,653 of 4,374 nationally (same basis as /rankings/largest); and #73 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does St. Thomas compare to other credit unions?
72/100 is St. Thomas's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like St. Thomas 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. St. Thomas's net worth ratio of 11.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Thomas offer compared to banks?
Credit unions like St. Thomas 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 St. Thomas 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.