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
Call Report peers
US Community in the assets neighbourhood
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
US Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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).
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.
- One place up in Tennessee, M.P.D. Community (#47) ties at 88/100; one place down, COLLEGEDALE (#49) ties at 88/100.
US Community: 2025Q4 → 2026Q1
US Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $335.4M (2025Q4) to $348.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.47% → 11.19%).
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
US Community gives up 12 points in total. Member Growth costs the most, 9.5 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 22.6 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is US Community financially healthy?
US Community has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,472 of 4,374 nationally on health and #48 of 127 in Tennessee. Its net worth ratio is 11.19% and its delinquency rate 0.74%.
How does US Community compare to other credit unions?
US Community scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.37% vs 72.20%). Its widest shortfall is net worth ratio (11.19% vs 12.11%).
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?
US Community 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. US Community's net worth ratio of 11.19% 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.