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
- HEALTH 90/100
- NW 33.1%
- DELQ 0.02%
- ROA 0.79%
- ASSETS $16.0M
- MEM 1,575
- RANK #1,023/4,374
- PHOTO ANMED
- BOOK 14333
Call Report peers
Tennessee River in the assets neighbourhood
Tennessee River's $16.0M assets sit next to ANMED ($16.0M) 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.
Tennessee River 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
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 - 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 vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +35.60 pp (95.40% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Tennessee River
Tennessee River: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $16.0M (2025Q4) to $16.4M (2026Q1).
- Net-worth ratio shifted -0.41 pp (33.46% → 33.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Tennessee River - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,023 of 4,374; by total assets it ranks #3,292 of 4,374 nationally (same basis as /rankings/largest); and #95 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 33.05% 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 33.05% 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.
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.