Credit Union Safety Analysis
Is Your Best Credit Union Safe? Nashville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Your Best Credit Union has a net worth ratio of 15.24%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, 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, Your Best Credit Union's net worth ratio is 15.24%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.24%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.74%
- Loan-to-share ratio (Q2 2026): 89.67%
Your Best Credit Union (NCUA charter 67757, established 1979) reported $16.0M in assets and 1,741 members for Q2 2026 from Nashville, Tennessee. It ranks 97 of 123 credit unions in Tennessee by total assets. Total assets fell 8.6% from $17.5M on June 30, 2025. It has 10 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.93 percentage points from 14.31% on June 30, 2025. New vehicle loans are its largest loan category, $6.2M of $12.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below 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: 14.75% for Q1 2026; 14.31% 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%.
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: -1.72% for Q1 2026; 0.57% 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: 88.32% for Q1 2026; 82.74% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $6.2M
- Used vehicle loans: $3.8M
- Other secured non-real estate loans and lines of credit: $977K
- Unsecured credit card loans: $661K
- Other unsecured loans and lines of credit: $492K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.0M | 15.24% | 0.32% | 0.74% | 89.67% |
| March 31, 2026 | $16.3M | 14.75% | — | -1.72% | 88.32% |
| December 31, 2025 | $15.9M | 15.57% | — | 0.47% | 95.45% |
| September 30, 2025 | $16.1M | 15.28% | 0.03% | -1.14% | 92.55% |
| June 30, 2025 | $17.5M | 14.31% | — | 0.57% | 82.74% |
| March 31, 2025 | $17.8M | 13.93% | 0.04% | 0.56% | 84.30% |
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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.
Your Best Credit Union profile
Regulator records: NCUA credit union profile (charter 67757) · FFIEC NIC profile (RSSD 188597)
Frequently asked questions
Is Your Best Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Your Best Credit Union's net worth ratio is 15.24%, above the 7% NCUA threshold for well capitalized.
Is Your Best Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Your Best Credit Union is a federally insured credit union (NCUA charter 67757): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Your Best Credit Union's key safety ratios?
For Q2 2026, Your Best Credit Union reports net worth 15.24%, delinquency 0.32%, ROA 0.74%, loan-to-share 89.67%.
What happens to my money if Your Best Credit Union fails?
For Q2 2026, Your Best Credit Union held $13.5M in shares and deposits for 1,741 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.