State credit union · NASHVILLE, Tennessee · NCUA charter #66886
TEN
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $399.4M
- Total assets
- 18,702
- Members
- 8.5%
- Net-worth ratio
TEN scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $399.4M; members 18,702; net-worth ratio 8.53%; health rank #3,027 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,027 of 4,374 health · 2025Q4TEN · health 78/100 · $399.4M · 2025Q4
- ASSETS 78/100
- MEM 8.5%
- RANK 0.24%
- PHOTO 0.26%
- BOOK $399.4M
- CHARTER 18,702
- NCUSIF #3,027/4,374
- CAMELS ALLIANCE
- HEALTH 66886
Call Report peers
TEN in the assets neighbourhood
TEN's $399.4M assets sit next to ALLIANCE ($399.5M) 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.
TEN 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
78 31st percentile higher than 31% 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
TEN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66886. See our deposit-insurance coverage note.
TEN: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.24% vs peer 0.89% (-0.65 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.58 pp (8.53% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TEN: in-state Call Report ranks
- Health composite ranks #86 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #20 of 127.
- Membership ranks #26 of 127 among Tennessee CUs with a reported count (18,702 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 TEN
TEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $399.4M (2025Q4) to $394.4M (2026Q1).
- Net-worth ratio shifted +0.14 pp (8.39% → 8.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.4 pts
- Member Growth 0.5 pts
- Loan-to-Share Ratio 14.8 pts
TEN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.53% | -3.58 pp |
| Delinquency Rate | 0.24% | -0.65 pp |
| Return on Assets | 0.26% | -0.36 pp |
| Member Growth | -4.74% | - |
| Loan-to-Share Ratio | 69.50% | -2.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
TEN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $394.4M | - |
| 2025Q4 | $399.4M | 18,702 |
| 2024Q4 | $403.5M | 19,633 |
| 2023Q4 | $430.8M | 21,670 |
Credit Union Details
- Charter Number
- 66886
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- NASHVILLE
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for TEN, spread across 6 cities.
| Office | City |
|---|---|
| MAIN BRANCH (Main Office) | NASHVILLE, TN |
| COOKEVILLE | Cookeville, TN |
| COOL SPRING BRANCH | Franklin, TN |
| GALLATIN BRANCH | GALLATIN, TN |
| RIVERGATE BRANCH | GOODLETTSVILLE, TN |
| SUNSET BRANCH | JOHNSON CITY, TN |
| BELLEVUE | 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for TEN - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($399.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- TEN ranks #3,027 of 4,374 nationally on financial health and #86 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alcoa Tenn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alcoa Tenn
- 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 TEN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TEN carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,027 of 4,374; by total assets it ranks #870 of 4,374 nationally (same basis as /rankings/largest); and #20 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.53% net worth ratio and a 0.24% delinquency rate.
How does TEN compare to other credit unions?
TEN scores 78/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 TEN?
Membership eligibility for TEN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TEN directly for current membership requirements and application steps.
Is my money safe at TEN?
Federal credit unions like TEN 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. TEN's net worth ratio of 8.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TEN offer compared to banks?
Credit unions like TEN 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 TEN 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.