State credit union · Atoka, Tennessee · NCUA charter #60726
The West Tennessee
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $18.4M
- Total assets
- 1,683
- Members
- 5.8%
- Net-worth ratio
The West Tennessee - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60726 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
The West Tennessee - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)49
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.83% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.83% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 1.26% | 15% |
| Member Growth | 0.06% | 15% |
| Loan-to-Share Ratio | 87.00% | 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 | $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
What This Data Says About The West Tennessee
The five-factor composite scores The West Tennessee at 76/100 (Very Good), reflecting a net worth ratio of 5.83% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Atoka, Tennessee, reports 1,683 members, $18.4M in total assets, and $13.8M in outstanding loans as of Q4 2025 under charter #60726 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.76% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 87.00% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.26% on net income of $233K 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 0.06%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 The West Tennessee financially healthy?
The West Tennessee has a financial health score of 76/100 (Very 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 5.83% and delinquency rate of 0.76%.
How does The West Tennessee compare to other credit unions?
On PlainCU's health composite, The West Tennessee lands at 76/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like The West Tennessee 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. The West Tennessee's net worth ratio of 5.83% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does The West Tennessee offer compared to banks?
Credit unions like The West Tennessee 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 The West Tennessee 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.