Federal credit union · Bristol, Tennessee · NCUA charter #4714
United Southeast
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $251.0M
- Total assets
- 23,361
- Members
- 13.4%
- Net-worth ratio
United Southeast scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $251.0M; members 23,361; net-worth ratio 13.41%; health rank #15 of 4,374; healthier than 99th of scored peers.
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NCUA 5300 Call Report Masthead
#15 of 4,374 health · 2025Q4United Southeast · health 100/100 · $251.0M · 2025Q4
Call Report peers
United Southeast in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Southeast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Southeast sits in 100 with 34 others.
100 Top 1% higher than 99% 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
United Southeast: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +2.58 pp (74.78% vs 72.20%).
United Southeast: in-state Call Report ranks
- In Tennessee, health place is #1 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, United Southeast is #26 of 127 in Tennessee.
- Member book place in Tennessee: #21 of 127.
- No Tennessee credit union scores higher; the runner-up, Heritage South Community Cu (#2) scores 99/100, 1 point lower.
Quarter path for United Southeast
United Southeast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $251.0M (2025Q4) to $256.0M (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.51% → 13.41%).
This credit union's 13.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Every pillar scores full marks, so all five contribute their maximum.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for United Southeast
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.41% | +1.30 pp |
| Delinquency Rate | 0.43% | -0.47 pp |
| Return on Assets | 0.63% | +0.01 pp |
| Member Growth | 5.61% | - |
| Loan-to-Share Ratio | 74.78% | +2.58 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $256.0M | - |
| 2025Q4 | $251.0M | 23,361 |
| 2024Q4 | $235.6M | 22,120 |
| 2023Q4 | $209.3M | 17,113 |
Credit Union Details
- Charter Number
- 4714
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Bristol
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, United Southeast runs 6 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Bristol, TN |
| Abingdon Branch | Abingdon, VA |
| Lee Highway Branch | Bristol, VA |
| Boones Creek Branch | Johnson City, TN |
| Lebanon Branch | Lebanon, VA |
| Marion Branch | Marion, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- United Southeast ranks #15 of 4,374 nationally on financial health and #1 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Knoxville Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Knoxville Teachers
Frequently Asked Questions
Is United Southeast financially healthy?
On its 2025Q4 NCUA 5300 filing, United Southeast scores 100/100 (Excellent), with a 13.41% net worth ratio and 0.43% of loans delinquent. It ranks #15 of 4,374 nationally on health and #1 of 127 in Tennessee.
How does United Southeast compare to other credit unions?
United Southeast scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.78% vs 72.20%).
How can I join United Southeast?
United Southeast 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 United Southeast directly for the exact boundaries and application steps.
Is my money safe at United Southeast?
United Southeast 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. United Southeast's net worth ratio of 13.41% 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.