State credit union · Nashville, Tennessee · NCUA charter #68119
VANDERBILT
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $52.4M
- Total assets
- 6,859
- Members
- 9.7%
- Net-worth ratio
VANDERBILT scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $52.4M; members 6,859; net-worth ratio 9.67%; health rank #2,772 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,772 of 4,374 health · 2025Q4VANDERBILT · health 80/100 · $52.4M · 2025Q4
- NCUSIF 80/100
- CAMELS 9.7%
- HEALTH 2.75%
- NW 0.35%
- DELQ $52.4M
- ROA 6,859
- ASSETS #2,772/4,374
- MEM MOONLIGHT
- RANK 68119
Call Report peers
VANDERBILT in the assets neighbourhood
VANDERBILT's $52.4M assets sit next to MOONLIGHT ($52.4M) 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.
VANDERBILT 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
80 36th percentile higher than 36% 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
VANDERBILT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68119. See our deposit-insurance coverage note.
VANDERBILT: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 68.75% here, 62.60% peer average (+6.15 pp).
- Largest lag: Net Worth Ratio at 9.67% vs peer 13.62% (-3.95 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
VANDERBILT: in-state Call Report ranks
- Tennessee health ordinal: #78 of 127.
- Assets rank #64 of 127 inside Tennessee ($52.4M reported).
- Membership ranks #42 of 127 among Tennessee CUs with a reported count (6,859 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VANDERBILT Call Report trajectory
VANDERBILT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $52.4M (2025Q4) to $53.3M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.83% → 9.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 7.8 pts
- Return on Assets 12.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for VANDERBILT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.67% | -3.95 pp |
| Delinquency Rate | 2.75% | +1.78 pp |
| Return on Assets | 0.35% | -0.30 pp |
| Member Growth | 22.05% | - |
| Loan-to-Share Ratio | 68.75% | +6.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
VANDERBILT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.3M | - |
| 2025Q4 | $52.4M | 6,859 |
| 2024Q4 | $47.1M | 5,620 |
| 2023Q4 | $49.7M | 5,868 |
Credit Union Details
- Charter Number
- 68119
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Nashville
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, VANDERBILT runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Vanderbilt University Employees Credit Union (Main Office) | Nashville, TN |
| Fiserv | Charlotte, NC |
| Vanderbilt Hospital 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.
Other-state peers near VANDERBILT
VANDERBILT's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($52.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- VANDERBILT ranks #2,772 of 4,374 nationally on financial health and #78 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jack Daniel Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jack Daniel Employees
- 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 VANDERBILT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, VANDERBILT carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,772 of 4,374; by total assets it ranks #2,368 of 4,374 nationally (same basis as /rankings/largest); and #64 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.67% net worth ratio and a 2.75% delinquency rate.
How does VANDERBILT compare to other credit unions?
80/100 is VANDERBILT's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 VANDERBILT?
Membership eligibility for VANDERBILT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VANDERBILT directly for current membership requirements and application steps.
Is my money safe at VANDERBILT?
Federal credit unions like VANDERBILT 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. VANDERBILT's net worth ratio of 9.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VANDERBILT offer compared to banks?
Credit unions like VANDERBILT 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 VANDERBILT 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.