Credit Union Safety Analysis
Is St. Thomas Credit Union Safe? Nashville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, St. Thomas Credit Union has a net worth ratio of 12.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.86%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of St. Thomas Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, St. Thomas Credit Union's net worth ratio is 12.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.26%
- Delinquency ratio (60+ days) (Q2 2026): 1.86%
- Return on assets (Q2 2026): 0.30%
- Loan-to-share ratio (Q2 2026): 87.96%
St. Thomas Credit Union (NCUA charter 68071) reported $38.3M in assets and 2,429 members for Q2 2026 from Nashville, Tennessee. It ranks 73 of 123 credit unions in Tennessee by total assets. Total assets fell 2.2% from $39.1M on June 30, 2025. 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.
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: 11.97% for Q1 2026; 11.20% 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: 2.59% for Q1 2026; 3.64% 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: 0.87% for Q1 2026; 0.23% 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: 85.52% for Q1 2026; 81.63% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $18.0M
- Used vehicle loans: $8.0M
- New vehicle loans: $1.5M
- Unsecured credit card loans: $706K
- Other unsecured loans and lines of credit: $648K
- Commercial loans: $284K
- Other secured non-real estate loans and lines of credit: $284K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $38.3M | 12.26% | 1.86% | 0.30% | 87.96% |
| March 31, 2026 | $38.3M | 11.97% | 2.59% | 0.87% | 85.52% |
| December 31, 2025 | $38.0M | 11.87% | 3.15% | 0.44% | 85.11% |
| September 30, 2025 | $38.8M | 11.49% | 4.30% | 0.82% | 83.54% |
| June 30, 2025 | $39.1M | 11.20% | 3.64% | 0.23% | 81.63% |
| March 31, 2025 | $39.8M | 10.96% | 1.18% | 0.96% | 80.79% |
Add this badge to your website
Free to use. It shows St. Thomas 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.
St. Thomas Credit Union profile
Regulator records: NCUA credit union profile (charter 68071) · FFIEC NIC profile (RSSD 507291)
Frequently asked questions
Is St. Thomas Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, St. Thomas Credit Union's net worth ratio is 12.26%, above the 7% NCUA threshold for well capitalized.
Is St. Thomas Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. St. Thomas Credit Union is a federally insured credit union (NCUA charter 68071): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are St. Thomas Credit Union's key safety ratios?
For Q2 2026, St. Thomas Credit Union reports net worth 12.26%, delinquency 1.86%, ROA 0.30%, loan-to-share 87.96%.
What happens to my money if St. Thomas Credit Union fails?
For Q2 2026, St. Thomas Credit Union held $33.4M in shares and deposits for 2,429 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.