TellerScore

Bulab Employees Federal Credit Union is a federal credit union headquartered in Memphis, Tennessee, in business for about 54 years. At the end of Q2 2026 it reported $2.2M in total assets and $1.4M in member shares and deposits, with 1 office.

Bulab Employees Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 72nd. Capital cushion contributes the most (100/100, 35.00%); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 35.00%
Loan quality44/100
Loans 60+ days delinquent ÷ total loans: 1.68%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity87/100
Loans ÷ shares: 73.1% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.23%

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 6 points (78 → 72), mostly because the loan quality component weakened by 54 points.

TellerScore
727883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202483
Q4 202474
Q1 202577
Q2 202578
Q3 202579
Q4 202578
Q1 202682
Q2 202672
Net worth ratio
7.00%21.00%35.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202430.01%
Q3 202429.30%
Q4 202430.19%
Q1 202531.09%
Q2 202531.68%
Q3 202532.38%
Q4 202531.16%
Q1 202633.08%
Q2 202635.00%
Delinquent loans (60+ days)
0.00%0.84%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.82%
Q1 20250.08%
Q2 20250.06%
Q3 20250.07%
Q4 20250.04%
Q1 20260.08%
Q2 20261.68%
Return on assets
-0.90%-0.16%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.58%
Q3 20240.50%
Q4 20240.25%
Q1 2025-0.09%
Q2 2025-0.04%
Q3 2025-0.09%
Q4 2025-0.90%
Q1 20260.16%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$2.2M35.00%1.68%0.58%73.1%
Q1 202682$2.3M33.08%0.08%0.16%76.3%
Q4 202578$2.5M31.16%0.04%-0.90%74.2%
Q3 202579$2.4M32.38%0.07%-0.09%84.9%
Q2 202578$2.5M31.68%0.06%-0.04%90.8%
Q1 202577$2.5M31.09%0.08%-0.09%98.0%
Q4 202474$2.6M30.19%0.82%0.25%95.0%
Q3 202483$2.7M29.30%0.00%0.50%92.1%
Q2 202483$2.6M30.01%0.00%0.58%97.2%

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).

Capital ratio35.00%
96th
Problem loans1.68%
26th
Net charge-offs-0.21%
96th
Return on assets0.58%
46th
Loans to deposits73.1%
28th
Uninsured deposits0.0%
81st
Loan-loss reserves1.03%
83rd
Texas ratio2.2%
50th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Metropolitan Teachers Credit UnionCredit union Nashville, TN48 out of 100, Below average$2.5M13.4%6.02%vs
Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN86 out of 100, Very strong$1.8M52.1%0.00%vs
A.U.B. Employees' Credit UnionCredit union Athens, TN43 out of 100, Below average$1.4M25.2%8.45%vs
Kellogg Memphis Employees Federal Credit UnionCredit union Memphis, TN48 out of 100, Below average$3.1M29.1%3.55%vs
TVA Mid-South Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$3.2M17.4%0.00%vs
Hardin County Hospital Employees Credit UnionCredit union Savannah, TN68 out of 100, Moderate$1.0M8.7%0.00%vs

Deposit insurance

Is my money safe at Bulab Employees Federal Credit Union?

Yes. Bulab Employees Federal Credit Union is a federally insured credit union (NCUA charter #20874). 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 35.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Bulab Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bulab Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
20874
RSSD ID
748580
Primary regulator
NCUA
Established
1972
Headquarters
1256 N McLean Blvd, Memphis, TN 38108
Employees
2

Quick answers

Bulab Employees Federal Credit Union: common questions

Is Bulab Employees Federal Credit Union NCUA insured?

Yes. Bulab Employees Federal Credit Union is a federally insured credit union (NCUA charter #20874). 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 Bulab Employees Federal Credit Union's TellerScore?

72 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 Bulab Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs