Gallatin Steam Plant Credit Union Gallatin, Tennessee
Gallatin Steam Plant Credit Union is a state-chartered credit union headquartered in Gallatin, TN, established in 1956 (NCUA charter 63868), and it is regulated and insured by the NCUA. At Q2 2026 it reported 640 members and total assets of $8.1M (up 3.7% from Q2 2025), the 106th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 16.96% at Q2 2026, in the well capitalized band.
Also written as Gallatin Steam Plant CU
BankRegReports is independent of Gallatin Steam Plant Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63868
- Headquarters
- Gallatin, TN
- Established
- 1956
- Total assets, Q2 2026
- $8.1M
- Assets vs Q2 2025
- +3.7%
- Members, Q2 2026
- 640
- Net worth ratio, Q2 2026
- 16.96%
- Latest call report
- Q2 2026, NCUA 5300 · Gallatin Steam Plant Credit Union call report
- Asset rank in state
- 106th of 123 in Tennessee
- Routing number
- 264178998
- Branches
- 1
It has 2 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was up 0.42 percentage points from 16.54% on June 30, 2025. New vehicle loans are its largest loan category, $2.6M of $4.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.55% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.96% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about Gallatin Steam Plant Credit Union
How big is Gallatin Steam Plant Credit Union?
At Q2 2026 it reported total assets of $8.1M and 640 members.
Where is Gallatin Steam Plant Credit Union headquartered?
It is headquartered in Gallatin, TN, United States.
When was Gallatin Steam Plant Credit Union founded?
It was established in 1956, per NCUA records.
Is Gallatin Steam Plant Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63868): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Gallatin Steam Plant Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Gallatin Steam Plant Credit Union well capitalized?
Its net worth ratio was 16.96% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Gallatin Steam Plant Credit Union's delinquency ratio?
Its delinquency ratio was 2.55% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Gallatin Steam Plant Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 67.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gallatin, TN 37066
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 63868
- RSSD ID
- 840792
- Members
- 640
- Potential members
- 1,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.96% | 14.31% | 63rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.20% | 0.72% | 19th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.15% | 4.74% | 19th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.68% | 3.93% | 40th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 66.77% | 79.83% | 77th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.41% | 0.78% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.55% | 0.86% | 20th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.09% | 4.70% | 66th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 67.35% | 58.92% | 62nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.1M total assets against $7.8M; $6.7M total shares and deposits against $6.5M; $4.5M total loans against $4.7M.
$1.4M net worth against $1.3M.
16.96% net worth ratio against 16.54%.
67.35% loan-to-share ratio against 72.66%.
2.55% delinquency ratio against 0.52%.
-0.20% return on assets against 1.56%; -1.15% return on equity against 9.46%.
3.68% net interest margin against 3.94%.
640 members against 642.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.96% | -0.20% | 2.55% | 67.35% |
| March 31, 2026 | 17.57% | 1.42% | 0.01% | 67.95% |
| December 31, 2025 | 17.77% | 1.43% | 0.89% | 74.09% |
| September 30, 2025 | 16.85% | 1.60% | 0.54% | 70.70% |
| June 30, 2025 | 16.54% | 1.56% | 0.52% | 72.66% |
| March 31, 2025 | 16.19% | 1.49% | 0.18% | 74.17% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.