A.U.B. Employees' Credit Union is a federally insured state-chartered credit union headquartered in Athens, Tennessee, in business for about 61 years. At the end of Q2 2026 it reported $1.4M in total assets and $1.1M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, A.U.B. Employees' Credit Union scores 43/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 124th. Its strongest component is capital cushion (100/100; 25.21%), and its lowest is earnings (0/100; -4.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (66 → 43), mostly because the loan quality component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 51 |
| Q4 2024 | 63 |
| Q1 2025 | 69 |
| Q2 2025 | 66 |
| Q3 2025 | 55 |
| Q4 2025 | 54 |
| Q1 2026 | 57 |
| Q2 2026 | 43 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 25.08% |
| Q3 2024 | 30.07% |
| Q4 2024 | 29.59% |
| Q1 2025 | 31.29% |
| Q2 2025 | 32.50% |
| Q3 2025 | 27.64% |
| Q4 2025 | 26.90% |
| Q1 2026 | 27.06% |
| Q2 2026 | 25.21% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.52% |
| Q3 2024 | 4.29% |
| Q4 2024 | 1.66% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.66% |
| Q3 2025 | 3.23% |
| Q4 2025 | 2.67% |
| Q1 2026 | 1.72% |
| Q2 2026 | 8.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.18% |
| Q1 2026 | -4.36% |
| Q2 2026 | -4.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $1.4M | 25.21% | 8.45% | -4.96% | 113.2% |
| Q1 2026 | 57 | $1.4M | 27.06% | 1.72% | -4.36% | 117.1% |
| Q4 2025 | 54 | $1.5M | 26.90% | 2.67% | 0.18% | 115.4% |
| Q3 2025 | 55 | $1.5M | 27.64% | 3.23% | 0.64% | 118.6% |
| Q2 2025 | 66 | $1.5M | 32.50% | 1.66% | 0.54% | 120.9% |
| Q1 2025 | 69 | $1.6M | 31.29% | 1.48% | 0.67% | 122.6% |
| Q4 2024 | 63 | $1.7M | 29.59% | 1.66% | 0.09% | 116.9% |
| Q3 2024 | 51 | $1.7M | 30.07% | 4.29% | 0.25% | 116.6% |
| Q2 2024 | 52 | $1.6M | 25.08% | 3.52% | 0.36% | 121.4% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |
| Hardin County Hospital Employees Credit UnionCredit union Savannah, TN | 68 out of 100, Moderate | $1.0M | 8.7% | 0.00% | vs |
| Wcg Employees Credit UnionCredit union Martin, TN | 89 out of 100, Very strong | $1.0M | 21.8% | 0.00% | vs |
| Bulab Employees Federal Credit UnionCredit union Memphis, TN | 72 out of 100, Strong | $2.2M | 35.0% | 1.68% | vs |
| Olivet Baptist Credit UnionCredit union Cordova, TN | 80 out of 100, Strong | $611K | 15.0% | 1.36% | vs |
| Metropolitan Teachers Credit UnionCredit union Nashville, TN | 48 out of 100, Below average | $2.5M | 13.4% | 6.02% | vs |
Deposit insurance
Is my money safe at A.U.B. Employees' Credit Union?
Yes. A.U.B. Employees' Credit Union is a federally insured credit union (NCUA charter #68161). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 25.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
A.U.B. Employees' Credit Union lists 1 office in 1 city. Most locations:
- Athens, TN (1)
Identity & history
Profile
- Legal name
- A.U.B. Employees' Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68161
- RSSD ID
- 642099
- Primary regulator
- State + NCUA
- Established
- 1965
- Headquarters
- P. O. Box 874, Athens, TN 37371
- Employees
- 2
Quick answers
A.U.B. Employees' Credit Union: common questions
Is A.U.B. Employees' Credit Union NCUA insured?
Yes. A.U.B. Employees' Credit Union is a federally insured credit union (NCUA charter #68161). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is A.U.B. Employees' Credit Union's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does A.U.B. Employees' Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Athens
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| Citizens National BankBank Sevierville, TN | 82 out of 100, Strong | $2.0B | 11.2% | 0.04% | vs |
| Staley Credit UnionCredit union Decatur, IL | 80 out of 100, Strong | $228.5M | 11.8% | 0.13% | vs |
| Peoples Bank of East TennesseeBank Madisonville, TN | 78 out of 100, Strong | $456.1M | 10.9% | 0.37% | vs |
| Sainte Marie State BankBank Sainte Marie, IL | 76 out of 100, Strong | $23.0M | 15.8% | 0.31% | vs |