Federal credit union · TALLAHASSEE, Florida · NCUA charter #15175
T M H
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $87.9M
- Total assets
- 8,641
- Members
- 9.9%
- Net-worth ratio
T M H scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.9M; members 8,641; net-worth ratio 9.92%; health rank #1,697 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,697 of 4,374 health · 2025Q4T M H · health 87/100 · $87.9M · 2025Q4
- PHOTO 87/100
- BOOK 9.9%
- CHARTER 0.71%
- NCUSIF 0.16%
- CAMELS $87.9M
- HEALTH 8,641
- NW #1,697/4,374
- DELQ Honolulu Fire Department
- ROA 15175
Call Report peers
T M H in the assets neighbourhood
T M H's $87.9M assets sit next to Honolulu Fire Department ($87.9M) 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.
T M H 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
87 Top 40% higher than 60% 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
T M H - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15175. See our deposit-insurance coverage note.
T M H vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 79.23% vs peer 62.60% (+16.63 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.70 pp (9.92% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where T M H sits in Florida
- In Florida, health place is #53 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #76 of 109 inside Florida ($87.9M reported).
- Membership ranks #67 of 109 among Florida CUs with a reported count (8,641 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How T M H's 5300 filing moved
T M H: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $87.9M (2025Q4) to $89.0M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.97% → 9.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 22.9 pts
- Return on Assets 9.9 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.92% | -3.70 pp |
| Delinquency Rate | 0.71% | -0.26 pp |
| Return on Assets | 0.16% | -0.50 pp |
| Member Growth | 0.38% | - |
| Loan-to-Share Ratio | 79.23% | +16.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.0M | - |
| 2025Q4 | $87.9M | 8,641 |
| 2024Q4 | $84.0M | 8,608 |
| 2023Q4 | $86.8M | 8,623 |
Credit Union Details
- Charter Number
- 15175
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Florida
- City
- TALLAHASSEE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, T M H runs 2 offices.
| Office | City |
|---|---|
| Main Office - Magnolia (Main Office) | Tallahassee, FL |
| Hospital Branch | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for T M H - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($87.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- T M H ranks #1,697 of 4,374 nationally on financial health and #53 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- My Pensacola is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with My Pensacola
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 T M H financially healthy?
T M H has a financial health score of 87/100 (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 #1,697 of 4,374; by total assets it ranks #1,937 of 4,374 nationally (same basis as /rankings/largest); and #76 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.92% and delinquency rate of 0.71%.
How does T M H compare to other credit unions?
Five weighted metrics from NCUA filings produce T M H's 87/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 T M H?
T M H 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 T M H directly for the exact boundaries and application steps.
Is my money safe at T M H?
Federal credit unions like T M H 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. T M H's net worth ratio of 9.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does T M H offer compared to banks?
Credit unions like T M H 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 T M H 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.