Federal credit union · Oak Ridge, Tennessee · NCUA charter #5318
Tennessee Members 1st
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $97.9M
- Total assets
- 4,483
- Members
- 9.3%
- Net-worth ratio
Tennessee Members 1st - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5318, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Tennessee Members 1st - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)57
- Earnings (ROA)32
- Member growth27
- Liquidity (loan-to-share)74
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.33% | 30% |
| Delinquency Rate | 1.76% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | -2.75% | 15% |
| Loan-to-Share Ratio | 52.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $97.9M | 4,483 |
| 2024Q4 | $96.0M | 4,610 |
| 2023Q4 | $96.3M | 4,683 |
Credit Union Details
- Charter Number
- 5318
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Oak Ridge
- Data Quarter
- 2025Q4
What This Data Says About Tennessee Members 1st
The five-factor composite scores Tennessee Members 1st at 62/100 (Good), reflecting a net worth ratio of 9.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Oak Ridge, Tennessee, reports 4,483 members, $97.9M in total assets, and $45.9M in outstanding loans as of Q4 2025 under charter #5318 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
1.76% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 52.42% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.01% on net income of $5K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.75%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tennessee Members 1st financially healthy?
Tennessee Members 1st has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.33% and delinquency rate of 1.76%.
How does Tennessee Members 1st compare to other credit unions?
Five weighted metrics from NCUA filings produce Tennessee Members 1st's 62/100 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 Tennessee Members 1st?
Tennessee Members 1st 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 Tennessee Members 1st directly for the exact boundaries and application steps.
Is my money safe at Tennessee Members 1st?
Federal credit unions like Tennessee Members 1st 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. Tennessee Members 1st's net worth ratio of 9.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tennessee Members 1st offer compared to banks?
Credit unions like Tennessee Members 1st 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 Tennessee Members 1st directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.