TellerScore

Headquartered in Memphis, Tennessee, Cn/Ic Employees Credit Union is a federally insured state-chartered credit union with $10.4M in total assets and $8.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1928.

Cn/Ic Employees Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 99th. Problem-loan coverage contributes the most (89/100, 5.3%); earnings contributes the least (0/100, -0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.62%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings0/100
Return on assets (annualized): -0.82%
Funding & liquidity78/100
Loans ÷ shares: 82.7% · 7.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.35%

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 (72 → 63), mostly because the earnings component weakened by 25 points.

TellerScore
526272Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202455
Q4 202454
Q1 202569
Q2 202572
Q3 202553
Q4 202559
Q1 202652
Q2 202663
Net worth ratio
7.00%11.24%15.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.90%
Q3 202415.22%
Q4 202415.48%
Q1 202515.20%
Q2 202515.07%
Q3 202514.66%
Q4 202514.15%
Q1 202613.99%
Q2 202613.62%
Delinquent loans (60+ days)
0.82%1.76%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20242.30%
Q4 20242.61%
Q1 20251.87%
Q2 20251.01%
Q3 20252.37%
Q4 20251.64%
Q1 20262.70%
Q2 20261.04%
Return on assets
-0.82%-0.05%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.57%
Q3 2024-0.49%
Q4 2024-0.25%
Q1 20250.73%
Q2 20250.12%
Q3 2025-0.51%
Q4 2025-0.58%
Q1 2026-0.04%
Q2 2026-0.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$10.4M13.62%1.04%-0.82%82.7%
Q1 202652$10.4M13.99%2.70%-0.04%81.7%
Q4 202559$10.3M14.15%1.64%-0.58%81.8%
Q3 202553$10.2M14.66%2.37%-0.51%85.4%
Q2 202572$10.2M15.07%1.01%0.12%82.8%
Q1 202569$10.2M15.20%1.87%0.73%82.4%
Q4 202454$9.9M15.48%2.61%-0.25%85.4%
Q3 202455$10.1M15.22%2.30%-0.49%83.6%
Q2 202469$10.4M14.90%0.82%-0.57%82.2%

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 ratio13.62%
44th
Problem loans1.04%
38th
Net charge-offs1.88%
6th
Return on assets-0.82%
8th
Loans to deposits82.7%
16th
Uninsured deposits7.0%
13th
Loan-loss reserves0.00%
37th
Texas ratio5.3%
28th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Gallatin Steam Plant Credit UnionCredit union Gallatin, TN65 out of 100, Moderate$8.1M17.0%2.55%vs
Memorial Credit UnionCredit union Chattanooga, TN67 out of 100, Moderate$7.1M13.8%1.20%vs
I B E W 175 Federal Credit UnionCredit union Chattanooga, TN69 out of 100, Moderate$13.8M17.8%4.05%vs

Deposit insurance

Is my money safe at Cn/Ic Employees Credit Union?

Yes. Cn/Ic Employees Credit Union is a federally insured credit union (NCUA charter #68069). 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 7.0% of shares and deposits ($610K) 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 13.62%, 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

Cn/Ic Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cn/Ic Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68069
RSSD ID
357898
Primary regulator
State + NCUA
Established
1928
Headquarters
2005 Nonconnah Blvd Suite 7, Memphis, TN 38132
Employees
3

Quick answers

Cn/Ic Employees Credit Union: common questions

Is Cn/Ic Employees Credit Union NCUA insured?

Yes. Cn/Ic Employees Credit Union is a federally insured credit union (NCUA charter #68069). 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 Cn/Ic Employees Credit Union's TellerScore?

63 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 Cn/Ic Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

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