TellerScore

Gallatin Steam Plant Credit Union (NCUA charter #63868) is based in Gallatin, Tennessee. Its Q2 2026 call report shows $8.1M in total assets and $6.7M in member shares and deposits and 1 office.

Gallatin Steam Plant Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 96th. Capital cushion contributes the most (100/100, 16.96%); loan quality contributes the least (15/100, 2.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.96%
Loan quality15/100
Loans 60+ days delinquent ÷ total loans: 2.55%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity93/100
Loans ÷ shares: 67.4% · 1.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.81%

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 25 points (90 → 65), mostly because the loan quality component weakened by 68 points.

TellerScore
658094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202485
Q3 202486
Q4 202485
Q1 202592
Q2 202590
Q3 202590
Q4 202586
Q1 202694
Q2 202665
Net worth ratio
7.00%12.38%17.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202416.00%
Q3 202416.33%
Q4 202416.02%
Q1 202516.19%
Q2 202516.54%
Q3 202516.85%
Q4 202517.77%
Q1 202617.57%
Q2 202616.96%
Delinquent loans (60+ days)
0.01%1.28%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.71%
Q4 20240.58%
Q1 20250.18%
Q2 20250.52%
Q3 20250.54%
Q4 20250.89%
Q1 20260.01%
Q2 20262.55%
Return on assets
0.59%1.07%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.23%
Q3 20241.38%
Q4 20241.05%
Q1 20251.49%
Q2 20251.52%
Q3 20251.54%
Q4 20251.55%
Q1 20261.42%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$8.1M16.96%2.55%0.59%67.4%
Q1 202694$7.8M17.57%0.01%1.42%68.0%
Q4 202586$7.6M17.77%0.89%1.55%74.1%
Q3 202590$7.8M16.85%0.54%1.54%70.7%
Q2 202590$7.8M16.54%0.52%1.52%72.7%
Q1 202592$7.8M16.19%0.18%1.49%74.2%
Q4 202485$7.7M16.02%0.58%1.05%75.7%
Q3 202486$7.5M16.33%0.71%1.38%76.7%
Q2 202485$7.5M16.00%0.74%1.23%72.8%

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 ratio16.96%
65th
Problem loans2.55%
16th
Net charge-offs0.61%
23rd
Return on assets0.59%
47th
Loans to deposits67.4%
38th
Uninsured deposits1.0%
54th
Loan-loss reserves2.10%
90th
Texas ratio7.8%
18th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Memorial Credit UnionCredit union Chattanooga, TN67 out of 100, Moderate$7.1M13.8%1.20%vs
Church of God Credit UnionCredit union Cleveland, TN55 out of 100, Moderate$6.7M7.3%0.00%vs
Cn/Ic Employees Credit UnionCredit union Memphis, TN63 out of 100, Moderate$10.4M13.6%1.04%vs
Delta Refining Co Emp Federal Credit UnionCredit union Memphis, TN80 out of 100, Strong$4.6M21.4%0.00%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs

Deposit insurance

Is my money safe at Gallatin Steam Plant Credit Union?

Yes. Gallatin Steam Plant Credit Union is a federally insured credit union (NCUA charter #63868). 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 1.0% of shares and deposits ($66K) 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 16.96%, 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

Gallatin Steam Plant Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gallatin Steam Plant Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63868
RSSD ID
840792
Primary regulator
State + NCUA
Established
1956
Headquarters
1499 Steam Plant Rd., Gallatin, TN 37066

Quick answers

Gallatin Steam Plant Credit Union: common questions

Is Gallatin Steam Plant Credit Union NCUA insured?

Yes. Gallatin Steam Plant Credit Union is a federally insured credit union (NCUA charter #63868). 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 Gallatin Steam Plant Credit Union's TellerScore?

65 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 Gallatin Steam Plant Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gallatin

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
Edmonton State BankBank Glasgow, KY82 out of 100, Strong$1.2B11.5%0.32%vs