Credit Union Safety Analysis
Is Kimberly Clark Credit Union Safe? Memphis, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Kimberly Clark Credit Union has a net worth ratio of 22.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.33%, 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, Kimberly Clark Credit Union's net worth ratio is 22.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.34%
- Delinquency ratio (60+ days) (Q2 2026): 1.33%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 73.15%
Kimberly Clark Credit Union (NCUA charter 60928, established 1971) reported $144.7M in assets and 8,180 members for Q2 2026 from Memphis, Tennessee. It ranks 34 of 123 credit unions in Tennessee by total assets. Total assets grew 0.9% from $143.4M on June 30, 2025. It has 317 fewer members than on June 30, 2025 (-3.7%). Its net worth ratio was up 0.30 percentage points from 22.04% on June 30, 2025. Used vehicle loans are its largest loan category, $24.0M of $81.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.33% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 22.03% for Q1 2026; 22.04% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.05% for Q1 2026; 1.17% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.54% for Q1 2026; 0.45% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 72.10% for Q1 2026; 73.96% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $24.0M
- New vehicle loans: $23.2M
- 1- to 4-family residential and other consumer real estate loans: $20.4M
- Unsecured credit card loans: $5.0M
- Other secured non-real estate loans and lines of credit: $4.5M
- Other unsecured loans and lines of credit: $4.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $144.7M | 22.34% | 1.33% | 0.50% | 73.15% |
| March 31, 2026 | $145.9M | 22.03% | 1.05% | 0.54% | 72.10% |
| December 31, 2025 | $142.7M | 22.39% | 1.55% | 0.55% | 73.58% |
| September 30, 2025 | $142.6M | 22.28% | 1.00% | 0.46% | 74.98% |
| June 30, 2025 | $143.4M | 22.04% | 1.17% | 0.45% | 73.96% |
| March 31, 2025 | $143.6M | 21.90% | 0.91% | 0.25% | 74.19% |
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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.
Kimberly Clark Credit Union profile
Regulator records: NCUA credit union profile (charter 60928) · FFIEC NIC profile (RSSD 140090)
Frequently asked questions
Is Kimberly Clark Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Kimberly Clark Credit Union's net worth ratio is 22.34%, above the 7% NCUA threshold for well capitalized.
Is Kimberly Clark Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Kimberly Clark Credit Union is a federally insured credit union (NCUA charter 60928): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kimberly Clark Credit Union's key safety ratios?
For Q2 2026, Kimberly Clark Credit Union reports net worth 22.34%, delinquency 1.33%, ROA 0.50%, loan-to-share 73.15%.
What happens to my money if Kimberly Clark Credit Union fails?
For Q2 2026, Kimberly Clark Credit Union held $111.5M in shares and deposits for 8,180 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.