State credit union · Nashville, Tennessee · NCUA charter #67720
US Community
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $335.4M
- Total assets
- 25,626
- Members
- 11.2%
- Net-worth ratio
US Community scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $335.4M; members 25,626; net-worth ratio 11.19%; health rank #1,472 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,472 of 4,374 health · 2025Q4US Community · health 88/100 · $335.4M · 2025Q4
- CHARTER 88/100
- NCUSIF 11.2%
- CAMELS 0.74%
- HEALTH 0.53%
- NW $335.4M
- DELQ 25,626
- ROA #1,472/4,374
- ASSETS Pioneer Mutual
- MEM 67720
Call Report peers
US Community in the assets neighbourhood
US Community's $335.4M assets sit next to Pioneer Mutual ($335.6M) 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.
US Community 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
88 Top 35% higher than 65% 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
US Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67720. See our deposit-insurance coverage note.
US Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 81.37% here, 72.20% peer average (+9.17 pp).
- Largest lag: Net Worth Ratio at 11.19% vs peer 12.11% (-0.92 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
US Community in Tennessee
- Health composite ranks #48 of 127 among scored Tennessee credit unions.
- Assets rank #23 of 127 inside Tennessee ($335.4M reported).
- Member book place in Tennessee: #19 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.
US Community: 2025Q4 → 2026Q1
US Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $335.4M (2025Q4) to $348.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.47% → 11.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 14.9 pts
US Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.19% | -0.92 pp |
| Delinquency Rate | 0.74% | -0.16 pp |
| Return on Assets | 0.53% | -0.10 pp |
| Member Growth | -1.94% | - |
| Loan-to-Share Ratio | 81.37% | +9.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
US Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $348.2M | - |
| 2025Q4 | $335.4M | 25,626 |
| 2024Q4 | $319.0M | 26,134 |
| 2023Q4 | $294.7M | 26,934 |
Credit Union Details
- Charter Number
- 67720
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Nashville
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for US Community, spread across 3 cities.
| Office | City |
|---|---|
| Administration Building (Main Office) | Nashville, TN |
| Bell Road Branch | Antioch, TN |
| Mount Juliet Branch | Mount Juliet, TN |
| Hermitage Ave Branch | Nashville, TN |
| Donelson Branch | Nashville, TN |
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.
Cross-state Call Report peers for US Community
Cross-state asset and health neighbours for US Community - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($335.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- US Community ranks #1,472 of 4,374 nationally on financial health and #48 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Old Hickory is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Old Hickory
- 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 US Community financially healthy?
US Community scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,472 of 4,374; by total assets it ranks #977 of 4,374 nationally (same basis as /rankings/largest); and #23 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.19% net worth ratio and a 0.74% delinquency rate.
How does US Community compare to other credit unions?
PlainCU's health composite puts US Community at 88/100, compared to a peer group average for $100M–$500M 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 US Community?
Membership eligibility for US Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact US Community directly for current membership requirements and application steps.
Is my money safe at US Community?
Federal credit unions like US Community 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. US Community's net worth ratio of 11.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does US Community offer compared to banks?
Credit unions like US Community 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 US Community 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.