Credit Union Safety Analysis
Is The Credit Union for Robertson County Safe? Springfield, Tennessee
Based on its Q2 2026 NCUA 5300 call report, The Credit Union for Robertson County has a net worth ratio of 13.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.59%, 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, The Credit Union for Robertson County's net worth ratio is 13.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.59%
- Return on assets (Q2 2026): 0.83%
- Loan-to-share ratio (Q2 2026): 77.35%
The Credit Union for Robertson County (NCUA charter 67741) reported $85.3M in assets and 8,952 members for Q2 2026 from Springfield, Tennessee. It ranks 49 of 123 credit unions in Tennessee by total assets. Total assets were about level with $85.3M on June 30, 2025. It has 1,089 fewer members than on June 30, 2025 (-10.8%). Its net worth ratio was up 0.80 percentage points from 12.32% on June 30, 2025. Used vehicle loans are its largest loan category, $33.9M of $56.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% 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: 12.86% for Q1 2026; 12.32% 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: 0.19% for Q1 2026; 0.62% 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: 1.49% for Q1 2026; 0.88% 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: 76.85% for Q1 2026; 80.17% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $33.9M
- 1- to 4-family residential and other consumer real estate loans: $15.1M
- New vehicle loans: $3.7M
- Other secured non-real estate loans and lines of credit: $2.1M
- Other unsecured loans and lines of credit: $1.6M
- Unsecured credit card loans: $329K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $85.3M | 13.12% | 0.59% | 0.83% | 77.35% |
| March 31, 2026 | $85.7M | 12.86% | 0.19% | 1.49% | 76.85% |
| December 31, 2025 | $83.6M | 12.80% | 0.61% | 0.63% | 81.32% |
| September 30, 2025 | $83.6M | 12.82% | 0.50% | 0.98% | 81.52% |
| June 30, 2025 | $85.3M | 12.32% | 0.62% | 0.88% | 80.17% |
| March 31, 2025 | $87.4M | 11.82% | 0.40% | 0.56% | 74.88% |
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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.
The Credit Union for Robertson County profile
Regulator records: NCUA credit union profile (charter 67741) · FFIEC NIC profile (RSSD 629595)
Frequently asked questions
Is The Credit Union for Robertson County well capitalized?
On its Q2 2026 NCUA 5300 call report, The Credit Union for Robertson County's net worth ratio is 13.12%, above the 7% NCUA threshold for well capitalized.
Is The Credit Union for Robertson County FDIC insured?
No. The FDIC insures banks, not credit unions. The Credit Union for Robertson County is a federally insured credit union (NCUA charter 67741): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The Credit Union for Robertson County's key safety ratios?
For Q2 2026, The Credit Union for Robertson County reports net worth 13.12%, delinquency 0.59%, ROA 0.83%, loan-to-share 77.35%.
What happens to my money if The Credit Union for Robertson County fails?
For Q2 2026, The Credit Union for Robertson County held $73.5M in shares and deposits for 8,952 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.