Federal credit union · COUNCE, Tennessee · NCUA charter #14333
Tennessee River
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $16.0M
- Total assets
- 1,575
- Members
- 30.5%
- Net-worth ratio
Tennessee River - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14333. See our deposit-insurance coverage note.
Tennessee River - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth49
- Liquidity (loan-to-share)84
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 30.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 30.45% | 30% |
| Delinquency Rate | 0.02% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | -0.94% | 15% |
| Loan-to-Share Ratio | 95.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Tennessee River
The five-factor composite scores Tennessee River at 90/100 (Excellent), reflecting a net worth ratio of 30.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in COUNCE, Tennessee, reports 1,575 members, $16.0M in total assets, and $10.2M in outstanding loans as of Q4 2025 under charter #14333 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Two more numbers round out the picture: a 0.02% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 95.40% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.79% on net income of $126K 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 -0.94%. 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
More federally-insured credit unions based in Tennessee, ordered by peer group match 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 River financially healthy?
Tennessee River has a financial health score of 90/100 (Excellent) 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 30.45% and delinquency rate of 0.02%.
How does Tennessee River compare to other credit unions?
PlainCU's health composite puts Tennessee River at 90/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Tennessee River 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 River's net worth ratio of 30.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tennessee River offer compared to banks?
Credit unions like Tennessee River 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 River 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.