Credit Union Safety Analysis
Is The New Olivet Baptist Church Credit Union Safe? Memphis, Tennessee
Based on its Q2 2026 NCUA 5300 call report, The New Olivet Baptist Church Credit Union has a net worth ratio of 15.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.36%, 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 New Olivet Baptist Church Credit Union's net worth ratio is 15.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.03%
- Delinquency ratio (60+ days) (Q2 2026): 1.36%
- Return on assets (Q2 2026): 1.38%
- Loan-to-share ratio (Q2 2026): 36.19%
The New Olivet Baptist Church Credit Union (NCUA charter 68165, established 1978) reported $611K in assets and 885 members for Q2 2026 from Memphis, Tennessee. It ranks 123 of 123 credit unions in Tennessee by total assets. Total assets fell 11.7% from $692K on June 30, 2025. It has 46 fewer members than on June 30, 2025 (-4.9%). Its net worth ratio was up 1.92 percentage points from 13.11% on June 30, 2025. Used vehicle loans are its largest loan category, $76K of $187K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.36% is above 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: 15.31% for Q1 2026; 13.11% 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: 0.54% 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: 0.57% for Q1 2026; 1.94% 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: 36.80% for Q1 2026; 20.68% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $76K
- New vehicle loans: $69K
- Other unsecured loans and lines of credit: $23K
- Other secured non-real estate loans and lines of credit: $19K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $611K | 15.03% | 1.36% | 1.38% | 36.19% |
| March 31, 2026 | $599K | 15.31% | — | 0.57% | 36.80% |
| December 31, 2025 | $616K | 14.75% | 2.99% | -0.36% | 24.51% |
| September 30, 2025 | $668K | 13.67% | 3.79% | 0.41% | 24.65% |
| June 30, 2025 | $692K | 13.11% | 0.54% | 1.94% | 20.68% |
| March 31, 2025 | $666K | 13.12% | 0.93% | 0.59% | 20.33% |
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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 New Olivet Baptist Church Credit Union profile
Regulator records: NCUA credit union profile (charter 68165) · FFIEC NIC profile (RSSD 362294)
Frequently asked questions
Is The New Olivet Baptist Church Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, The New Olivet Baptist Church Credit Union's net worth ratio is 15.03%, above the 7% NCUA threshold for well capitalized.
Is The New Olivet Baptist Church Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. The New Olivet Baptist Church Credit Union is a federally insured credit union (NCUA charter 68165): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The New Olivet Baptist Church Credit Union's key safety ratios?
For Q2 2026, The New Olivet Baptist Church Credit Union reports net worth 15.03%, delinquency 1.36%, ROA 1.38%, loan-to-share 36.19%.
What happens to my money if The New Olivet Baptist Church Credit Union fails?
For Q2 2026, The New Olivet Baptist Church Credit Union held $516K in shares and deposits for 885 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.