TellerScore

Collegedale Credit Union is a federally insured state-chartered credit union headquartered in Collegedale, Tennessee, in business for about 74 years. At the end of Q2 2026 it reported $44.6M in total assets and $40.2M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Collegedale Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 79th. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is capital cushion (46/100; 9.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.57%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings53/100
Return on assets (annualized): 0.81%
Funding & liquidity93/100
Loans ÷ shares: 67.3% · 2.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.03%

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 (69 → 70).

TellerScore
566472Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202467
Q1 202566
Q2 202569
Q3 202556
Q4 202567
Q1 202672
Q2 202670
Net worth ratio
7.00%8.29%9.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.76%
Q3 20248.63%
Q4 20249.09%
Q1 20258.90%
Q2 20259.25%
Q3 20259.35%
Q4 20259.39%
Q1 20269.47%
Q2 20269.57%
Delinquent loans (60+ days)
0.03%0.75%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.22%
Q4 20240.29%
Q1 20250.11%
Q2 20250.10%
Q3 20251.47%
Q4 20250.40%
Q1 20260.03%
Q2 20260.32%
Return on assets
0.27%0.54%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.53%
Q4 20240.59%
Q1 20250.27%
Q2 20250.59%
Q3 20250.58%
Q4 20250.62%
Q1 20260.71%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$44.6M9.57%0.32%0.81%67.3%
Q1 202672$44.7M9.47%0.03%0.71%66.0%
Q4 202567$43.3M9.39%0.40%0.62%68.0%
Q3 202556$43.1M9.35%1.47%0.58%66.4%
Q2 202569$42.1M9.25%0.10%0.59%67.9%
Q1 202566$42.7M8.90%0.11%0.27%63.7%
Q4 202467$41.5M9.09%0.29%0.59%65.8%
Q3 202467$44.7M8.63%0.22%0.53%58.2%
Q2 202467$41.3M8.76%0.07%0.35%62.3%

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).

Capital ratio9.57%
13th
Problem loans0.32%
67th
Net charge-offs0.05%
62nd
Return on assets0.81%
58th
Loans to deposits67.3%
38th
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio2.0%
52nd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Lakeside Credit UnionCredit union New Johnsonvill, TN89 out of 100, Very strong$44.7M16.9%0.56%vs
Ups Employees Credit UnionCredit union Memphis, TN90 out of 100, Very strong$44.9M23.9%0.57%vs
Epb Employees Credit UnionCredit union Chattanooga, TN48 out of 100, Below average$43.3M11.6%8.72%vs
Methodist Healthcare Federal Credit UnionCredit union Cordova, TN82 out of 100, Strong$46.2M17.6%1.03%vs
M.P.D. Community Credit UnionCredit union Nashville, TN71 out of 100, Strong$41.0M11.3%0.79%vs
First Choice Community Credit UnionCredit union Knoxville, TN85 out of 100, Very strong$48.9M16.4%1.02%vs

Deposit insurance

Is my money safe at Collegedale Credit Union?

Yes. Collegedale Credit Union is a federally insured credit union (NCUA charter #68167). 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 2.9% of shares and deposits ($1.2M) 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 9.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Collegedale Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Collegedale Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68167
RSSD ID
646293
Primary regulator
State + NCUA
Established
1952
Headquarters
PO Box 2098, Collegedale, TN 37315
Employees
12

Quick answers

Collegedale Credit Union: common questions

Is Collegedale Credit Union NCUA insured?

Yes. Collegedale Credit Union is a federally insured credit union (NCUA charter #68167). 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 Collegedale 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 Collegedale Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Collegedale

InstitutionScoreAssetsCapitalProblem loansCompare
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs