State credit union · Atoka, Tennessee · NCUA charter #60726
The West Tennessee
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $18.4M
- Total assets
- 1,683
- Members
- 10.8%
- Net-worth ratio
The West Tennessee scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.4M; members 1,683; net-worth ratio 10.85%; health rank #813 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#813 of 4,374 health · 2025Q4The West Tennessee · health 92/100 · $18.4M · 2025Q4
Call Report peers
The West Tennessee in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The West Tennessee vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The West Tennessee sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
The West Tennessee vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.00% vs peer 59.80% (+27.20 pp).
- Largest lag: Net Worth Ratio at 10.85% vs peer 14.86% (-4.01 pp).
The West Tennessee: in-state Call Report ranks
- Health composite ranks #28 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #91 of 127.
- Member book place in Tennessee: #92 of 127.
- One place up in Tennessee, Knox County Teachers (#27) ties at 92/100; one place down, Greeneville City Employees' (#29) scores 91/100, 1 point lower.
The West Tennessee: 2025Q4 → 2026Q1
The West Tennessee: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $18.4M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.73% → 10.85%).
This credit union's 10.85% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
The West Tennessee gives up 8 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for The West Tennessee
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.85% | -4.01 pp |
| Delinquency Rate | 0.76% | -0.39 pp |
| Return on Assets | 1.26% | +0.56 pp |
| Member Growth | 0.06% | - |
| Loan-to-Share Ratio | 87.00% | +27.20 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.5M | - |
| 2025Q4 | $18.4M | 1,683 |
| 2024Q4 | $17.8M | 1,682 |
| 2023Q4 | $18.7M | 1,671 |
Credit Union Details
- Charter Number
- 60726
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Atoka
- Data Quarter
- 2025Q4
Branch Locations (2)
The West Tennessee operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| The West Tennessee Credit Union (Main Office) | Atoka, TN |
| Computer Marketing Corporation | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- The West Tennessee ranks #813 of 4,374 nationally on financial health and #28 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHERN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHERN
Frequently Asked Questions
Is The West Tennessee financially healthy?
On its 2025Q4 NCUA 5300 filing, The West Tennessee scores 92/100 (Excellent), with a 10.85% net worth ratio and 0.76% of loans delinquent. It ranks #813 of 4,374 nationally on health and #28 of 127 in Tennessee.
How does The West Tennessee compare to other credit unions?
The West Tennessee scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.00% vs 59.80%). Its widest shortfall is net worth ratio (10.85% vs 14.86%).
How can I join The West Tennessee?
Membership eligibility for The West Tennessee depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The West Tennessee directly for current membership requirements and application steps.
Is my money safe at The West Tennessee?
The West Tennessee is a state-chartered 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. The West Tennessee's net worth ratio of 10.85% 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.