TellerScore

Consumer Credit Union (NCUA charter #60056) is based in Greeneville, Tennessee. Its Q2 2026 call report shows $660.5M in total assets and $549.8M in member shares and deposits and 6 offices.

Consumer Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 59th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (57/100, 10.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.71%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity69/100
Loans ÷ shares: 91.1% · 13.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.72%

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 rose 5 points (70 → 75), mostly because the earnings component improved by 20 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202467
Q1 202569
Q2 202570
Q3 202571
Q4 202572
Q1 202674
Q2 202675
Net worth ratio
7.00%8.86%10.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.65%
Q3 20249.79%
Q4 20249.98%
Q1 202510.22%
Q2 202510.27%
Q3 202510.47%
Q4 202510.60%
Q1 202610.55%
Q2 202610.71%
Delinquent loans (60+ days)
0.09%0.14%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.18%
Q4 20240.17%
Q1 20250.19%
Q2 20250.15%
Q3 20250.09%
Q4 20250.10%
Q1 20260.12%
Q2 20260.10%
Return on assets
0.25%0.70%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.26%
Q4 20240.33%
Q1 20250.55%
Q2 20250.65%
Q3 20250.75%
Q4 20250.79%
Q1 20261.08%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$660.5M10.71%0.10%1.15%91.1%
Q1 202674$651.2M10.55%0.12%1.08%87.7%
Q4 202572$647.3M10.60%0.10%0.79%87.1%
Q3 202571$634.8M10.47%0.09%0.75%88.4%
Q2 202570$631.2M10.27%0.15%0.65%86.4%
Q1 202569$612.9M10.22%0.19%0.55%82.8%
Q4 202467$618.9M9.98%0.17%0.33%81.4%
Q3 202466$622.4M9.79%0.18%0.26%79.3%
Q2 202466$627.6M9.65%0.14%0.25%78.9%

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 ratio10.71%
39th
Problem loans0.10%
95th
Net charge-offs0.06%
90th
Return on assets1.15%
75th
Loans to deposits91.1%
15th
Uninsured deposits13.3%
7th
Loan-loss reserves0.00%
50th
Texas ratio0.7%
92nd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN77 out of 100, Strong$641.1M14.2%1.04%vs
Resound Credit UnionCredit union Nashville, TN67 out of 100, Moderate$704.4M10.6%0.68%vs
U. T. Federal Credit UnionCredit union Knoxville, TN65 out of 100, Moderate$553.9M9.7%0.19%vs
Memphis City Employees Credit UnionCredit union Memphis, TN81 out of 100, Strong$502.5M14.5%0.63%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs

Deposit insurance

Is my money safe at Consumer Credit Union?

Yes. Consumer Credit Union is a federally insured credit union (NCUA charter #60056). 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 13.3% of shares and deposits ($72.9M) 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 10.71%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Consumer Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Consumer Credit Union reported 411 home-loan applications under HMDA (LEI 549300R14I3DX6ZMWL07): 287 originated ($109,205,000 total), 43 denied, and 38 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, 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
Consumer Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60056
RSSD ID
425292
Primary regulator
State + NCUA
Established
1953
Headquarters
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
Employees
87

Quick answers

Consumer Credit Union: common questions

Is Consumer Credit Union NCUA insured?

Yes. Consumer Credit Union is a federally insured credit union (NCUA charter #60056). 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 Consumer Credit Union's TellerScore?

75 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 Consumer Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greeneville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Kingsport Press Credit UnionCredit union Kingsport, TN92 out of 100, Very strong$95.6M16.4%0.40%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
Greeneville City Employees' Credit UnionCredit union Greeneville, TN90 out of 100, Very strong$13.9M29.5%0.32%vs
Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN86 out of 100, Very strong$1.8M52.1%0.00%vs
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs