Headquartered in Kingsport, Tennessee, Appalachian Community Federal Credit Union is a federal credit union with $182.8M in total assets and $161.4M in member shares and deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1993.
Based on its Q2 2026 filing, Appalachian Community Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 77th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is earnings (47/100; 0.69%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 70 |
| Q2 2026 | 70 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.31% |
| Q3 2024 | 11.11% |
| Q4 2024 | 11.08% |
| Q1 2025 | 10.82% |
| Q2 2025 | 11.07% |
| Q3 2025 | 10.88% |
| Q4 2025 | 10.94% |
| Q1 2026 | 10.74% |
| Q2 2026 | 10.99% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $182.8M | 10.99% | 0.26% | 0.69% | 92.8% |
| Q1 2026 | 70 | $183.7M | 10.74% | 0.08% | 0.55% | 91.9% |
| Q4 2025 | 71 | $181.1M | 10.94% | 0.26% | 0.89% | 93.7% |
| Q3 2025 | 72 | $179.5M | 10.88% | 0.15% | 0.84% | 95.9% |
| Q2 2025 | 70 | $172.9M | 11.07% | 0.30% | 0.84% | 99.8% |
| Q1 2025 | 71 | $173.1M | 10.82% | 0.06% | 0.76% | 98.2% |
| Q4 2024 | 64 | $169.2M | 11.08% | 0.58% | 0.39% | 100.3% |
| Q3 2024 | 64 | $168.9M | 11.11% | 0.53% | 0.37% | 99.6% |
| Q2 2024 | 66 | $164.8M | 11.31% | 0.37% | 0.42% | 101.2% |
1,341 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Johnsonville TVA Employees Credit UnionCredit union Camden, TN | 92 out of 100, Very strong | $180.7M | 16.4% | 0.73% | vs |
| Employee Resources Credit UnionCredit union Lawrenceburg, TN | 62 out of 100, Moderate | $185.5M | 9.5% | 0.58% | vs |
| Northeast Community Credit UnionCredit union Elizabethton, TN | 78 out of 100, Strong | $194.2M | 16.8% | 1.64% | vs |
| Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN | 76 out of 100, Strong | $199.2M | 12.0% | 0.28% | vs |
| Scenic Community Credit UnionCredit union Hixson, TN | 47 out of 100, Below average | $163.8M | 9.4% | 1.46% | vs |
| Kimberly Clark Credit UnionCredit union Memphis, TN | 75 out of 100, Strong | $144.7M | 22.3% | 1.33% | vs |
Deposit insurance
Is my money safe at Appalachian Community Federal Credit Union?
Yes. Appalachian Community Federal Credit Union is a federally insured credit union (NCUA charter #24495). 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 6.9% of shares and deposits ($11.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.99%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Appalachian Community Federal Credit Union lists 6 offices in 5 cities across 2 states. Most locations:
- Kingsport, TN (2)
- Church Hill, TN (1)
- Johnson City, TN (1)
- Norton, VA (1)
- Rogersville, TN (1)
HMDA 2025
Mortgage lending
In 2025, Appalachian Community Federal Credit Union reported 202 home-loan applications under HMDA (LEI 5493004C6NM2VNOH2N94): 146 originated ($18,730,000 total), 19 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Appalachian Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24495
- RSSD ID
- 261294
- Primary regulator
- NCUA
- Established
- 1993
- Headquarters
- 201 E New St, Kingsport, TN 37660
- Employees
- 52
Quick answers
Appalachian Community Federal Credit Union: common questions
Is Appalachian Community Federal Credit Union NCUA insured?
Yes. Appalachian Community Federal Credit Union is a federally insured credit union (NCUA charter #24495). 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 Appalachian Community Federal Credit Union's TellerScore?
70 out of 100 (Strong), 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 Appalachian Community Federal Credit Union have?
6 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Kingsport
| 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 |
| Kingsport Press Credit UnionCredit union Kingsport, TN | 92 out of 100, Very strong | $95.6M | 16.4% | 0.40% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |