Appliance Credit Union (NCUA charter #67976) is based in Cleveland, Tennessee. Its Q2 2026 call report shows $18.7M in total assets and $16.7M in member shares and deposits and 2 offices across 2 states.
Appliance Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 102nd. Funding & liquidity contributes the most (100/100, 30% loans-to-deposits, 7% uninsured); earnings contributes the least (32/100, 0.29%).
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 9 points (69 → 60), mostly because the loan quality component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 57 |
| Q2 2025 | 69 |
| Q3 2025 | 65 |
| Q4 2025 | 67 |
| Q1 2026 | 66 |
| Q2 2026 | 60 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.46% |
| Q3 2024 | 11.76% |
| Q4 2024 | 11.26% |
| Q1 2025 | 10.41% |
| Q2 2025 | 10.76% |
| Q3 2025 | 10.57% |
| Q4 2025 | 11.08% |
| Q1 2026 | 10.33% |
| Q2 2026 | 9.60% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.07% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.57% |
| Q2 2026 | 1.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | -0.22% |
| Q4 2024 | -0.13% |
| Q1 2025 | -1.15% |
| Q2 2025 | -0.29% |
| Q3 2025 | -0.02% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $18.7M | 9.60% | 1.17% | 0.29% | 29.6% |
| Q1 2026 | 66 | $17.2M | 10.33% | 0.57% | 0.15% | 32.3% |
| Q4 2025 | 67 | $15.9M | 11.08% | 0.66% | 0.07% | 35.2% |
| Q3 2025 | 65 | $16.6M | 10.57% | 0.59% | -0.02% | 38.4% |
| Q2 2025 | 69 | $16.1M | 10.76% | 0.04% | -0.29% | 40.4% |
| Q1 2025 | 57 | $16.4M | 10.41% | 0.92% | -1.15% | 40.7% |
| Q4 2024 | 66 | $15.6M | 11.26% | 0.66% | -0.13% | 45.8% |
| Q3 2024 | 66 | $15.1M | 11.76% | 0.75% | -0.22% | 49.5% |
| Q2 2024 | 55 | $15.5M | 11.46% | 2.07% | 0.04% | 50.3% |
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 |
|---|---|---|---|---|---|
| Southern Credit UnionCredit union Chattanooga, TN | 43 out of 100, Below average | $18.1M | 11.8% | 3.48% | vs |
| The West Tennessee Credit UnionCredit union Atoka, TN | 75 out of 100, Strong | $17.9M | 11.5% | 0.63% | vs |
| Parthenon Federal Credit UnionCredit union Nashville, TN | 42 out of 100, Below average | $17.1M | 16.1% | 6.04% | vs |
| Enlighten Federal Credit UnionCredit union Jackson, TN | 85 out of 100, Very strong | $16.8M | 14.3% | 0.69% | vs |
| Skyline Credit UnionCredit union Nashville, TN | 68 out of 100, Moderate | $16.8M | 24.3% | 2.95% | vs |
| Gateway Credit UnionCredit union Clarksville, TN | 60 out of 100, Moderate | $16.3M | 8.4% | 0.70% | vs |
Deposit insurance
Is my money safe at Appliance Credit Union?
Yes. Appliance Credit Union is a federally insured credit union (NCUA charter #67976). 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 6.8% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.60%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Appliance Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Birmingham, AL (1)
- Cleveland, TN (1)
Identity & history
Profile
- Legal name
- Appliance Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67976
- RSSD ID
- 521390
- Primary regulator
- State + NCUA
- Established
- 1972
- Headquarters
- P.O. Box 1057, Cleveland, TN 37364
- Employees
- 4
Quick answers
Appliance Credit Union: common questions
Is Appliance Credit Union NCUA insured?
Yes. Appliance Credit Union is a federally insured credit union (NCUA charter #67976). 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 Appliance Credit Union's TellerScore?
60 out of 100 (Moderate), 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 Appliance Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Cleveland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bcbst Employees Credit UnionCredit union Chattanooga, TN | 90 out of 100, Very strong | $8.3M | 25.6% | 0.11% | vs |
| Healthcare Services Credit UnionCredit union Chattanooga, TN | 87 out of 100, Very strong | $26.1M | 15.0% | 0.03% | vs |
| Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN | 85 out of 100, Very strong | $76.0M | 16.9% | 0.39% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| Cleveland-Bradley Cty Teacher Federal Credit UnionCredit union Cleveland, TN | 82 out of 100, Strong | $74.1M | 12.9% | 0.51% | vs |
| B. M. H. Federal Credit UnionCredit union Cleveland, TN | 79 out of 100, Strong | $3.7M | 21.2% | 0.94% | vs |