Federal credit union · COUNCE, Tennessee · NCUA charter #14333
Tennessee River
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $16.0M
- Total assets
- 1,575
- Members
- 33.1%
- Net-worth ratio
Tennessee River scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.0M; members 1,575; net-worth ratio 33.05%; health rank #1,023 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,023 of 4,374 health · 2025Q4Tennessee River · health 90/100 · $16.0M · 2025Q4
Call Report peers
Tennessee River in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tennessee River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tennessee River sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Tennessee River vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +35.60 pp (95.40% vs 59.80%).
Tennessee standing for Tennessee River
- In Tennessee, health place is #35 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #95 of 127 inside Tennessee ($16.0M reported).
- Member book place in Tennessee: #99 of 127.
- One place up in Tennessee, FOOTHILLS (#34) scores 91/100, 1 point higher; one place down, L G & W (#36) ties at 90/100.
Quarter path for Tennessee River
Tennessee River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $16.0M (2025Q4) to $16.4M (2026Q1).
- Net-worth ratio shifted -0.41 pp (33.46% → 33.05%).
This credit union's 33.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Tennessee River gives up 10 points in total. Member Growth costs the most, 7.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for Tennessee River
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 33.05% | +18.19 pp |
| Delinquency Rate | 0.02% | -1.13 pp |
| Return on Assets | 0.79% | +0.08 pp |
| Member Growth | -0.94% | - |
| Loan-to-Share Ratio | 95.40% | +35.60 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Tennessee River quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.4M | - |
| 2025Q4 | $16.0M | 1,575 |
| 2024Q4 | $16.3M | 1,590 |
| 2023Q4 | $17.9M | 1,655 |
Credit Union Details
- Charter Number
- 14333
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- COUNCE
- Data Quarter
- 2025Q4
Branch Locations (3)
Tennessee River operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Counce, TN |
| Patriot Equity Credit Union | Jackson, TN |
| Hardin County Bank | Savannah, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Tennessee River nationwide neighbourhoods
Similar total assets
Using this data
- Tennessee River ranks #1,023 of 4,374 nationally on financial health and #35 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- APPLIANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with APPLIANCE
Frequently Asked Questions
Is Tennessee River financially healthy?
Tennessee River has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,023 of 4,374 nationally on health and #35 of 127 in Tennessee. Its net worth ratio is 33.05% and its delinquency rate 0.02%.
How does Tennessee River compare to other credit unions?
Tennessee River scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (95.40% vs 59.80%).
How can I join Tennessee River?
Tennessee River 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 River directly for the exact boundaries and application steps.
Is my money safe at Tennessee River?
Tennessee River is a federal 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. Tennessee River's net worth ratio of 33.05% 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.