Credit Union Safety Analysis
Is Collegedale Credit Union Safe? Collegedale, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Collegedale Credit Union has a net worth ratio of 9.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Collegedale Credit Union's net worth ratio is 9.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.57%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.92%
- Loan-to-share ratio (Q2 2026): 67.27%
Collegedale Credit Union (NCUA charter 68167) reported $44.6M in assets and 4,391 members for Q2 2026 from Collegedale, Tennessee. It ranks 68 of 123 credit unions in Tennessee by total assets. Total assets grew 6.0% from $42.1M on June 30, 2025. It has 116 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was up 0.32 percentage points from 9.25% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $21.3M of $27.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.47% for Q1 2026; 9.25% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.03% for Q1 2026; 0.10% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.71% for Q1 2026; 0.90% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 65.98% for Q1 2026; 67.87% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $21.3M
- Used vehicle loans: $1.7M
- Commercial loans: $1.7M
- Other secured non-real estate loans and lines of credit: $1.0M
- New vehicle loans: $568K
- Other unsecured loans and lines of credit: $526K
- Unsecured credit card loans: $215K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $44.6M | 9.57% | 0.32% | 0.92% | 67.27% |
| March 31, 2026 | $44.7M | 9.47% | 0.03% | 0.71% | 65.98% |
| December 31, 2025 | $43.3M | 9.39% | 0.40% | 0.76% | 68.04% |
| September 30, 2025 | $43.1M | 9.35% | 1.47% | 0.60% | 66.42% |
| June 30, 2025 | $42.1M | 9.25% | 0.10% | 0.90% | 67.87% |
| March 31, 2025 | $42.7M | 8.90% | 0.11% | 0.27% | 63.74% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Collegedale Credit Union profile
Regulator records: NCUA credit union profile (charter 68167) · FFIEC NIC profile (RSSD 646293)
Frequently asked questions
Is Collegedale Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Collegedale Credit Union's net worth ratio is 9.57%, above the 7% NCUA threshold for well capitalized.
Is Collegedale Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Collegedale Credit Union is a federally insured credit union (NCUA charter 68167): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Collegedale Credit Union's key safety ratios?
For Q2 2026, Collegedale Credit Union reports net worth 9.57%, delinquency 0.32%, ROA 0.92%, loan-to-share 67.27%.
What happens to my money if Collegedale Credit Union fails?
For Q2 2026, Collegedale Credit Union held $40.2M in shares and deposits for 4,391 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.