Federal credit union · Knoxville, Tennessee · NCUA charter #19448
U. T.
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $561.6M
- Total assets
- 25,742
- Members
- 9.3%
- Net-worth ratio
U. T. scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $561.6M; members 25,742; net-worth ratio 9.26%; health rank #1,338 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U. T. vs every NCUA-scored credit union
U. T. sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where U. T. diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 95.40% here, 83.90% peer average (+11.50 pp).
- Net Worth Ratio trails the peer set - 9.26% here, 11.18% peer average (-1.92 pp).
U. T. in Tennessee
- In Tennessee, health place is #43 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, U. T. is #15 of 127 in Tennessee.
- Member book place in Tennessee: #18 of 127.
- One place up in Tennessee, New South Credit Union (#42) ties at 89/100; one place down, Hardin County Hospital Employees (#44) ties at 89/100.
How U. T.'s 5300 filing moved
U. T.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $561.6M (2025Q4) to $572.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.35% → 9.26%).
At 9.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
U. T. gives up 11 points in total. Member Growth costs the most, 6 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 12.7 pts
U. T. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.26% | -1.92 pp |
| Delinquency Rate | 0.18% | -0.70 pp |
| Return on Assets | 0.44% | -0.07 pp |
| Member Growth | -0.00% | - |
| Loan-to-Share Ratio | 95.40% | +11.50 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
U. T. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $572.1M | - |
| 2025Q4 | $561.6M | 25,742 |
| 2024Q4 | $518.1M | 25,743 |
| 2023Q4 | $479.1M | 25,771 |
Credit Union Details
- Charter Number
- 19448
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Knoxville
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, U. T. runs 10 offices in 4 different cities.
| Office | City |
|---|---|
| UT Federal Credit Union - Corporate Office (Main Office) | Knoxville, TN |
| UT Federal Credit Union - Springbrook Farm Branch | Alcoa, TN |
| UT Federal Credit Union - White Avenue | Knoxville, TN |
| UT Federal Credit Union - Hospital Branch | Knoxville, TN |
| UT Federal Credit Union - West Branch | Knoxville, TN |
| UT Federal Credit Union - Emory Rd Branch | Knoxville, TN |
| UT Federal Credit Union - Student Union Branch | Knoxville, TN |
| UTFCU - Corporate Annex | Knoxville, TN |
| UT Federal Credit Union - Martin Branch | Martin, TN |
| UT Federal Credit Union - Memphis Branch | Memphis, TN |
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.
U. T. nationwide neighbourhoods
Using this data
- U. T. ranks #1,338 of 4,374 nationally on financial health and #43 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fedex Employees Credit Association is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fedex Employees Credit Association
Frequently Asked Questions
Is U. T. financially healthy?
U. T. has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,338 of 4,374 nationally on health and #43 of 127 in Tennessee. Its net worth ratio is 9.26% and its delinquency rate 0.18%.
How does U. T. compare to other credit unions?
U. T. scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.40% vs 83.90%). Its widest shortfall is net worth ratio (9.26% vs 11.18%).
How can I join U. T.?
U. T. 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 U. T. directly for the exact boundaries and application steps.
Is my money safe at U. T.?
U. T. 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. U. T.'s net worth ratio of 9.26% 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.