TellerScore

Headquartered in Knoxville, Tennessee, City Employees Credit Union is a federally insured state-chartered credit union with $115.3M in total assets and $87.2M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1932.

City Employees Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 15th. Capital cushion contributes the most (100/100, 23.08%); earnings contributes the least (80/100, 1.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.08%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity90/100
Loans ÷ shares: 70.6% · 10.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.09%

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 5 points (95 → 90), mostly because the earnings component weakened by 20 points.

TellerScore
849095Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202495
Q1 202594
Q2 202595
Q3 202595
Q4 202593
Q1 202684
Q2 202690
Net worth ratio
7.00%15.04%23.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.36%
Q3 202420.94%
Q4 202420.69%
Q1 202520.71%
Q2 202521.10%
Q3 202521.88%
Q4 202521.63%
Q1 202622.25%
Q2 202623.08%
Delinquent loans (60+ days)
0.27%0.42%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.27%
Q4 20240.31%
Q1 20250.37%
Q2 20250.32%
Q3 20250.35%
Q4 20250.42%
Q1 20260.57%
Q2 20260.47%
Return on assets
0.85%1.64%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.35%
Q3 20242.42%
Q4 20242.09%
Q1 20251.91%
Q2 20252.17%
Q3 20252.21%
Q4 20251.77%
Q1 20260.85%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$115.3M23.08%0.47%1.50%70.6%
Q1 202684$116.9M22.25%0.57%0.85%70.2%
Q4 202593$119.1M21.63%0.42%1.77%69.7%
Q3 202595$116.9M21.88%0.35%2.21%70.2%
Q2 202595$118.2M21.10%0.32%2.17%71.4%
Q1 202594$116.9M20.71%0.37%1.91%72.8%
Q4 202495$114.3M20.69%0.31%2.09%74.1%
Q3 202495$111.2M20.94%0.27%2.42%78.3%
Q2 202494$110.9M20.36%0.27%2.35%80.8%

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).

Capital ratio23.08%
99th
Problem loans0.47%
68th
Net charge-offs0.27%
61st
Return on assets1.50%
89th
Loans to deposits70.6%
60th
Uninsured deposits10.3%
16th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Holley Credit UnionCredit union Paris, TN85 out of 100, Very strong$105.3M13.8%0.51%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs
Upper Cumberland Federal Credit UnionCredit union Crossville, TN72 out of 100, Strong$140.5M9.9%0.20%vs
Trust Federal Credit UnionCredit union Chattanooga, TN44 out of 100, Below average$141.8M11.7%3.41%vs

Deposit insurance

Is my money safe at City Employees Credit Union?

Yes. City Employees Credit Union is a federally insured credit union (NCUA charter #67778). 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 10.3% of shares and deposits ($9.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 23.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

City Employees Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, City Employees Credit Union reported 60 home-loan applications under HMDA (LEI 549300BUVM9AXNUI6G83): 57 originated ($5,865,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, 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
City Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67778
RSSD ID
406590
Primary regulator
State + NCUA
Established
1932
Headquarters
1720 Western Ave, Knoxville, TN 37921
Employees
21

Quick answers

City Employees Credit Union: common questions

Is City Employees Credit Union NCUA insured?

Yes. City Employees Credit Union is a federally insured credit union (NCUA charter #67778). 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 City Employees Credit Union's TellerScore?

90 out of 100 (Very 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 City Employees Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Knoxville

InstitutionScoreAssetsCapitalProblem loansCompare
Sevier County Schools Federal Credit UnionCredit union Sevierville, TN99 out of 100, Very strong$13.9M21.8%0.09%vs
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs