Credit Union Safety Analysis
Is Resound Credit Union Safe? Nashville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Resound Credit Union has a net worth ratio of 10.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.68%, 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, Resound Credit Union's net worth ratio is 10.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.68%
- Return on assets (Q2 2026): 1.01%
- Loan-to-share ratio (Q2 2026): 95.86%
Resound Credit Union (NCUA charter 67972, established 1979) reported $704.4M in assets and 50,396 members for Q2 2026 from Nashville, Tennessee. It ranks 12 of 123 credit unions in Tennessee by total assets. Total assets grew 10.2% from $639.4M on June 30, 2025. It has 1,341 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.11 percentage points from 10.50% on June 30, 2025. Used vehicle loans are its largest loan category, $257.3M of $595.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.68% matches 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: 10.42% for Q1 2026; 10.50% 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: 0.55% for Q1 2026; 0.77% 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: 1.17% for Q1 2026; 1.25% 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: 92.56% for Q1 2026; 97.14% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $257.3M
- 1- to 4-family residential and other consumer real estate loans: $150.8M
- New vehicle loans: $122.1M
- Commercial loans: $32.3M
- Unsecured credit card loans: $20.6M
- Other unsecured loans and lines of credit: $9.8M
- Other secured non-real estate loans and lines of credit: $2.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $704.4M | 10.61% | 0.68% | 1.01% | 95.86% |
| March 31, 2026 | $700.1M | 10.42% | 0.55% | 1.17% | 92.56% |
| December 31, 2025 | $677.7M | 10.47% | 0.79% | 1.21% | 95.48% |
| September 30, 2025 | $653.7M | 10.54% | 0.82% | 1.09% | 97.50% |
| June 30, 2025 | $639.4M | 10.50% | 0.77% | 1.25% | 97.14% |
| March 31, 2025 | $634.0M | 10.28% | 0.71% | 1.04% | 94.16% |
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Free to use. It shows Resound Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 67972) · FFIEC NIC profile (RSSD 455299)
Frequently asked questions
Is Resound Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Resound Credit Union's net worth ratio is 10.61%, above the 7% NCUA threshold for well capitalized.
Is Resound Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Resound Credit Union is a federally insured credit union (NCUA charter 67972): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Resound Credit Union's key safety ratios?
For Q2 2026, Resound Credit Union reports net worth 10.61%, delinquency 0.68%, ROA 1.01%, loan-to-share 95.86%.
What happens to my money if Resound Credit Union fails?
For Q2 2026, Resound Credit Union held $620.9M in shares and deposits for 50,396 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.