TellerScore

Headquartered in Memphis, Tennessee, Fedex Employees Credit Association Federal Credit Union is a federal credit union with $641.1M in total assets and $544.4M in member shares and deposits as of Q2 2026. It operates 9 offices across 5 states. Its charter dates back to 1974.

Based on its Q2 2026 filing, Fedex Employees Credit Association Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 55th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 7% uninsured), and its lowest is earnings (43/100; 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.15%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity100/100
Loans ÷ shares: 54.8% · 7.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.63%

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 (72 → 77), mostly because the loan quality component improved by 21 points.

TellerScore
657177Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202468
Q4 202468
Q1 202573
Q2 202572
Q3 202570
Q4 202573
Q1 202670
Q2 202677
Net worth ratio
7.00%10.76%14.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.28%
Q3 202414.05%
Q4 202414.52%
Q1 202514.07%
Q2 202514.28%
Q3 202514.34%
Q4 202514.06%
Q1 202613.88%
Q2 202614.15%
Delinquent loans (60+ days)
1.04%1.44%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.63%
Q3 20241.60%
Q4 20241.69%
Q1 20251.64%
Q2 20251.67%
Q3 20251.84%
Q4 20251.37%
Q1 20261.20%
Q2 20261.04%
Return on assets
0.08%0.45%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.16%
Q3 20240.12%
Q4 20240.11%
Q1 20250.83%
Q2 20250.66%
Q3 20250.52%
Q4 20250.47%
Q1 20260.08%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$641.1M14.15%1.04%0.57%54.8%
Q1 202670$641.5M13.88%1.20%0.08%55.0%
Q4 202573$632.4M14.06%1.37%0.47%56.1%
Q3 202570$625.1M14.34%1.84%0.52%56.8%
Q2 202572$625.1M14.28%1.67%0.66%56.5%
Q1 202573$628.4M14.07%1.64%0.83%55.6%
Q4 202468$600.2M14.52%1.69%0.11%57.4%
Q3 202468$623.0M14.05%1.60%0.12%56.6%
Q2 202465$658.7M13.28%1.63%0.16%55.8%

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 ratio14.15%
80th
Problem loans1.04%
28th
Net charge-offs1.17%
6th
Return on assets0.57%
36th
Loans to deposits54.8%
86th
Uninsured deposits7.0%
40th
Loan-loss reserves0.00%
50th
Texas ratio3.6%
54th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Consumer Credit UnionCredit union Greeneville, TN75 out of 100, Strong$660.5M10.7%0.10%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
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs

Deposit insurance

Is my money safe at Fedex Employees Credit Association Federal Credit Union?

Yes. Fedex Employees Credit Association Federal Credit Union is a federally insured credit union (NCUA charter #21751). 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 ($38.0M) 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 14.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Fedex Employees Credit Association Federal Credit Union lists 9 offices in 7 cities across 5 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fedex Employees Credit Association Federal Credit Union
Type
Federal credit union
NCUA charter #
21751
RSSD ID
214384
Primary regulator
NCUA
Established
1974
Headquarters
2731 S Nonconnah Blvd, Memphis, TN 38132
Employees
117

Quick answers

Fedex Employees Credit Association Federal Credit Union: common questions

Is Fedex Employees Credit Association Federal Credit Union NCUA insured?

Yes. Fedex Employees Credit Association Federal Credit Union is a federally insured credit union (NCUA charter #21751). 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 Fedex Employees Credit Association Federal Credit Union's TellerScore?

77 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 Fedex Employees Credit Association Federal Credit Union have?

9 offices as of the latest NCUA data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs