TellerScore

Employee Resources Credit Union is a federally insured state-chartered credit union headquartered in Lawrenceburg, Tennessee, in business for about 62 years. At the end of Q2 2026 it reported $185.5M in total assets and $167.6M in member shares and deposits, with 5 offices.

Employee Resources Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 101st. Problem-loan coverage contributes the most (89/100, 5.5%); earnings contributes the least (42/100, 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.46%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity72/100
Loans ÷ shares: 88.7% · 7.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.47%

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 (57 → 62), mostly because the loan quality component improved by 14 points.

TellerScore
576063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202460
Q1 202557
Q2 202557
Q3 202559
Q4 202559
Q1 202661
Q2 202662
Net worth ratio
7.00%8.38%9.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.76%
Q3 20249.60%
Q4 20249.04%
Q1 20259.03%
Q2 20259.21%
Q3 20259.31%
Q4 20259.23%
Q1 20269.30%
Q2 20269.46%
Delinquent loans (60+ days)
0.51%0.75%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.78%
Q4 20240.73%
Q1 20250.85%
Q2 20251.00%
Q3 20250.82%
Q4 20250.85%
Q1 20260.51%
Q2 20260.58%
Return on assets
0.26%0.50%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.68%
Q4 20240.58%
Q1 20250.26%
Q2 20250.45%
Q3 20250.51%
Q4 20250.54%
Q1 20260.29%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$185.5M9.46%0.58%0.54%88.7%
Q1 202661$184.8M9.30%0.51%0.29%82.0%
Q4 202559$184.7M9.23%0.85%0.54%80.8%
Q3 202559$180.0M9.31%0.82%0.51%84.3%
Q2 202557$178.6M9.21%1.00%0.45%82.8%
Q1 202557$179.2M9.03%0.85%0.26%77.9%
Q4 202460$177.6M9.04%0.73%0.58%79.5%
Q3 202462$165.3M9.60%0.78%0.68%84.9%
Q2 202463$160.0M9.76%0.75%0.73%86.8%

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 ratio9.46%
20th
Problem loans0.58%
57th
Net charge-offs0.60%
27th
Return on assets0.54%
34th
Loans to deposits88.7%
20th
Uninsured deposits7.0%
40th
Loan-loss reserves0.00%
50th
Texas ratio5.5%
35th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Appalachian Community Federal Credit UnionCredit union Kingsport, TN70 out of 100, Strong$182.8M11.0%0.26%vs
Johnsonville TVA Employees Credit UnionCredit union Camden, TN92 out of 100, Very strong$180.7M16.4%0.73%vs
Northeast Community Credit UnionCredit union Elizabethton, TN78 out of 100, Strong$194.2M16.8%1.64%vs
Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN76 out of 100, Strong$199.2M12.0%0.28%vs
Scenic Community Credit UnionCredit union Hixson, TN47 out of 100, Below average$163.8M9.4%1.46%vs
Kimberly Clark Credit UnionCredit union Memphis, TN75 out of 100, Strong$144.7M22.3%1.33%vs

Deposit insurance

Is my money safe at Employee Resources Credit Union?

Yes. Employee Resources Credit Union is a federally insured credit union (NCUA charter #67789). 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 ($11.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.46%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Employee Resources Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Employee Resources Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67789
RSSD ID
461991
Primary regulator
State + NCUA
Established
1964
Headquarters
P O Box 987, Lawrenceburg, TN 38464
Employees
60

Quick answers

Employee Resources Credit Union: common questions

Is Employee Resources Credit Union NCUA insured?

Yes. Employee Resources Credit Union is a federally insured credit union (NCUA charter #67789). 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 Employee Resources Credit Union's TellerScore?

62 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 Employee Resources Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lawrenceburg

InstitutionScoreAssetsCapitalProblem loansCompare
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
Lawrenceburg Federal BankBank Lawrenceburg, TN79 out of 100, Strong$95.2M18.4%0.41%vs
First Farmers and Merchants BankBank Columbia, TN79 out of 100, Strong$1.8B11.2%0.12%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
First National Bank of PulaskiBank Pulaski, TN77 out of 100, Strong$1.5B11.3%0.24%vs
Builtwell BankBank Chattanooga, TN73 out of 100, Strong$2.3B9.7%0.57%vs