TellerScore

Happy Valley Credit Union is a federally insured state-chartered credit union headquartered in Elizabethton, Tennessee, in business for about 92 years. At the end of Q2 2026 it reported $36.9M in total assets and $30.4M in member shares and deposits, with 4 offices across 3 states.

Based on its Q2 2026 filing, Happy Valley Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 26th. Its strongest component is capital cushion (100/100; 18.25%), and its lowest is earnings (63/100; 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.25%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings63/100
Return on assets (annualized): 1.09%
Funding & liquidity100/100
Loans ÷ shares: 31.3% · 2.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.16%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 86).

TellerScore
818691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202490
Q4 202491
Q1 202581
Q2 202586
Q3 202583
Q4 202585
Q1 202687
Q2 202686
Net worth ratio
7.00%12.63%18.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.86%
Q3 202417.43%
Q4 202417.31%
Q1 202517.36%
Q2 202517.75%
Q3 202517.90%
Q4 202517.87%
Q1 202618.21%
Q2 202618.25%
Delinquent loans (60+ days)
0.10%0.46%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.50%
Q4 20240.15%
Q1 20250.36%
Q2 20250.10%
Q3 20250.32%
Q4 20250.31%
Q1 20260.61%
Q2 20260.82%
Return on assets
0.05%0.82%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.59%
Q3 20241.34%
Q4 20241.06%
Q1 20250.05%
Q2 20250.36%
Q3 20250.17%
Q4 20250.42%
Q1 20261.02%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$36.9M18.25%0.82%1.09%31.3%
Q1 202687$36.4M18.21%0.61%1.02%31.7%
Q4 202585$36.6M17.87%0.31%0.42%32.1%
Q3 202583$35.9M17.90%0.32%0.17%31.7%
Q2 202586$36.3M17.75%0.10%0.36%29.8%
Q1 202581$36.8M17.36%0.36%0.05%29.8%
Q4 202491$36.9M17.31%0.15%1.06%29.5%
Q3 202490$36.8M17.43%0.50%1.34%30.3%
Q2 202491$37.4M16.86%0.71%1.59%30.1%

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 ratio18.25%
70th
Problem loans0.82%
45th
Net charge-offs0.82%
17th
Return on assets1.09%
71st
Loans to deposits31.3%
88th
Uninsured deposits2.8%
38th
Loan-loss reserves0.00%
37th
Texas ratio1.2%
63rd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
St. Thomas Credit UnionCredit union Nashville, TN59 out of 100, Moderate$38.3M12.3%1.86%vs
Outreach Federal Credit UnionCredit union Hermitage, TN70 out of 100, Strong$35.3M11.0%0.50%vs
Koin Credit UnionCredit union Brentwood, TN64 out of 100, Moderate$34.9M9.2%0.66%vs
Knoxville Law Enforcement Federal Credit UnionCredit union Knoxville, TN84 out of 100, Strong$39.1M13.8%0.50%vs
Nashville Firemen'S Credit UnionCredit union Nashville, TN72 out of 100, Strong$39.2M18.2%1.19%vs

Deposit insurance

Is my money safe at Happy Valley Credit Union?

Yes. Happy Valley Credit Union is a federally insured credit union (NCUA charter #68097). 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 2.8% of shares and deposits ($840K) 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 18.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Happy Valley Credit Union lists 4 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Happy Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68097
RSSD ID
258995
Primary regulator
State + NCUA
Established
1934
Headquarters
P.O. Box 1838, Elizabethton, TN 37644
Employees
8

Quick answers

Happy Valley Credit Union: common questions

Is Happy Valley Credit Union NCUA insured?

Yes. Happy Valley Credit Union is a federally insured credit union (NCUA charter #68097). 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 Happy Valley Credit Union's TellerScore?

86 out of 100 (Very 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 Happy Valley Credit Union have?

4 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Elizabethton

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
Elizabethton Federal Savings BankBank Elizabethton, TN86 out of 100, Very strong$326.0M42.3%0.25%vs
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs
Lee Bank and Trust CompanyBank Pennington Gap, VA82 out of 100, Strong$257.3M14.1%1.37%vs
Select Seven Federal Credit UnionCredit union Johnson City, TN81 out of 100, Strong$62.4M13.7%0.18%vs