St. Thomas Credit Union Nashville, Tennessee
St. Thomas Credit Union is a state-chartered credit union headquartered in Nashville, TN (NCUA charter 68071), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,429 members and total assets of $38.3M (down 2.2% from Q2 2025), the 73rd largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 12.26% at Q2 2026, in the well capitalized band.
Also written as St. Thomas CU
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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
- 68071
- Headquarters
- Nashville, TN
- Established
- Not reported
- Total assets, Q2 2026
- $38.3M
- Assets vs Q2 2025
- -2.2%
- Members, Q2 2026
- 2,429
- Net worth ratio, Q2 2026
- 12.26%
- Latest call report
- Q2 2026, NCUA 5300 · St. Thomas Credit Union call report
- Asset rank in state
- 73rd of 123 in Tennessee
- Routing number
- 264081111
- Branches
- 1
It has 20 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 1.06 percentage points from 11.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $18.0M of $29.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.86% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.26% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Tennessee
Credit unions merged into St. Thomas Credit Union
Frequently asked about St. Thomas Credit Union
How big is St. Thomas Credit Union?
At Q2 2026 it reported total assets of $38.3M and 2,429 members.
Where is St. Thomas Credit Union headquartered?
It is headquartered in Nashville, TN, United States.
Is St. Thomas Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68071): 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 St. Thomas 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 St. Thomas Credit Union well capitalized?
Its net worth ratio was 12.26% 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 St. Thomas Credit Union's delinquency ratio?
Its delinquency ratio was 1.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is St. Thomas Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.96% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Nashville, TN 37205
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 68071
- RSSD ID
- 507291
- Members
- 2,429
- Potential members
- 8,000
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 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.26% | 14.31% | 34th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.30% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.41% | 4.74% | 34th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.79% | 3.93% | 81st top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 74.78% | 79.83% | 61st above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.36% | 0.78% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.86% | 0.86% | 26th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.15% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 87.96% | 58.92% | 89th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$38.3M total assets against $39.1M; $33.4M total shares and deposits against $34.4M; $29.4M total loans against $28.1M.
$4.7M net worth against $4.4M.
12.26% net worth ratio against 11.20%.
87.96% loan-to-share ratio against 81.63%.
1.86% delinquency ratio against 3.64%.
0.30% return on assets against 0.23%; 2.41% return on equity against 2.06%.
4.79% net interest margin against 4.12%.
2,429 members against 2,449.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.26% | 0.30% | 1.86% | 87.96% |
| March 31, 2026 | 11.97% | 0.87% | 2.59% | 85.52% |
| December 31, 2025 | 11.87% | 0.44% | 3.15% | 85.11% |
| September 30, 2025 | 11.49% | 0.82% | 4.30% | 83.54% |
| June 30, 2025 | 11.20% | 0.23% | 3.64% | 81.63% |
| March 31, 2025 | 10.96% | 0.96% | 1.18% | 80.79% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.