TellerScore

Greater Experience Credit Union is a federally insured state-chartered credit union headquartered in Johnson City, Tennessee, in business for about 74 years. At the end of Q2 2026 it reported $56.4M in total assets and $48.3M in member shares and deposits, with 3 offices.

Greater Experience Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 97th. Capital cushion contributes the most (90/100, 14.00%); earnings contributes the least (15/100, -0.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Net worth ratio: 14.00%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.47%
Earnings15/100
Return on assets (annualized): -0.11%
Funding & liquidity83/100
Loans ÷ shares: 76.9% · 4.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.94%

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 8 points (72 → 64), mostly because the loan quality component weakened by 19 points.

TellerScore
627077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202475
Q4 202473
Q1 202573
Q2 202572
Q3 202569
Q4 202567
Q1 202662
Q2 202664
Net worth ratio
7.00%10.75%14.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.12%
Q3 202414.49%
Q4 202414.16%
Q1 202513.75%
Q2 202514.25%
Q3 202514.33%
Q4 202514.03%
Q1 202613.79%
Q2 202614.00%
Delinquent loans (60+ days)
0.50%0.99%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.93%
Q4 20241.04%
Q1 20250.50%
Q2 20250.89%
Q3 20251.22%
Q4 20251.30%
Q1 20261.33%
Q2 20261.47%
Return on assets
-0.55%-0.03%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.49%
Q4 20240.47%
Q1 2025-0.07%
Q2 20250.07%
Q3 20250.13%
Q4 20250.12%
Q1 2026-0.55%
Q2 2026-0.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$56.4M14.00%1.47%-0.11%76.9%
Q1 202662$57.0M13.79%1.33%-0.55%77.4%
Q4 202567$56.5M14.03%1.30%0.12%78.4%
Q3 202569$55.6M14.33%1.22%0.13%79.6%
Q2 202572$55.7M14.25%0.89%0.07%77.6%
Q1 202573$57.5M13.75%0.50%-0.07%74.3%
Q4 202473$55.9M14.16%1.04%0.47%77.8%
Q3 202475$54.5M14.49%0.93%0.49%79.2%
Q2 202477$55.2M14.12%0.52%0.36%76.0%

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 ratio14.00%
47th
Problem loans1.47%
29th
Net charge-offs0.77%
18th
Return on assets-0.11%
16th
Loans to deposits76.9%
23rd
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio6.9%
21st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Jack Daniel Employees Credit UnionCredit union Lynchburg, TN74 out of 100, Strong$56.7M11.3%0.63%vs
Veritas Federal Credit UnionCredit union Smyrna, TN57 out of 100, Moderate$57.1M8.0%0.60%vs
Fedtrust Federal Credit UnionCredit union Memphis, TN56 out of 100, Moderate$55.3M7.2%0.52%vs
Healthnet Federal Credit UnionCredit union Cordova, TN78 out of 100, Strong$58.1M13.2%0.27%vs
Resource Federal Credit UnionCredit union Jackson, TN71 out of 100, Strong$54.7M10.4%0.62%vs
Vanderbilt Credit UnionCredit union Nashville, TN57 out of 100, Moderate$53.2M9.8%1.29%vs

Deposit insurance

Is my money safe at Greater Experience Credit Union?

Yes. Greater Experience Credit Union is a federally insured credit union (NCUA charter #67701). 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 4.8% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Greater Experience Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Greater Experience Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67701
RSSD ID
262899
Primary regulator
State + NCUA
Established
1952
Headquarters
PO Box 5130, Johnson City, TN 37602
Employees
22

Quick answers

Greater Experience Credit Union: common questions

Is Greater Experience Credit Union NCUA insured?

Yes. Greater Experience Credit Union is a federally insured credit union (NCUA charter #67701). 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 Greater Experience Credit Union's TellerScore?

64 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 Greater Experience Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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