TellerScore

Headquartered in Savannah, Tennessee, Hardin County Hospital Employees Credit Union is a federally insured state-chartered credit union with $1.0M in total assets and $938K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1964.

Hardin County Hospital Employees Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 86th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (33/100, 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.67%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity100/100
Loans ÷ shares: 55.1% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 13 points (55 → 68), mostly because the earnings component improved by 33 points.

TellerScore
556370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202464
Q1 202555
Q2 202555
Q3 202559
Q4 202568
Q1 202667
Q2 202668
Net worth ratio
6.64%7.83%9.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.10%
Q3 20247.91%
Q4 20247.51%
Q1 20256.72%
Q2 20256.64%
Q3 20256.82%
Q4 20259.03%
Q1 20268.46%
Q2 20268.67%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-1.20%-0.15%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.89%
Q4 20240.33%
Q1 2025-1.20%
Q2 2025-0.96%
Q3 20250.01%
Q4 20250.33%
Q1 20260.34%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.0M8.67%0.00%0.32%55.1%
Q1 202667$1.1M8.46%0.00%0.34%56.9%
Q4 202568$987K9.03%0.00%0.33%65.6%
Q3 202559$1.3M6.82%0.00%0.01%51.1%
Q2 202555$1.2M6.64%0.00%-0.96%51.0%
Q1 202555$1.3M6.72%0.00%-1.20%44.8%
Q4 202464$1.2M7.51%0.00%0.33%54.6%
Q3 202470$1.1M7.91%0.00%0.89%61.2%
Q2 202468$1.1M8.10%0.00%0.70%67.2%

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 ratio8.67%
8th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.32%
32nd
Loans to deposits55.1%
55th
Uninsured deposits0.0%
81st
Loan-loss reserves3.40%
94th
Texas ratio0.0%
93rd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Wcg Employees Credit UnionCredit union Martin, TN89 out of 100, Very strong$1.0M21.8%0.00%vs
A.U.B. Employees' Credit UnionCredit union Athens, TN43 out of 100, Below average$1.4M25.2%8.45%vs
Olivet Baptist Credit UnionCredit union Cordova, TN80 out of 100, Strong$611K15.0%1.36%vs
Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN86 out of 100, Very strong$1.8M52.1%0.00%vs
Bulab Employees Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$2.2M35.0%1.68%vs
Metropolitan Teachers Credit UnionCredit union Nashville, TN48 out of 100, Below average$2.5M13.4%6.02%vs

Deposit insurance

Is my money safe at Hardin County Hospital Employees Credit Union?

Yes. Hardin County Hospital Employees Credit Union is a federally insured credit union (NCUA charter #68120). 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 0.0% of shares and deposits ($0) 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 8.67%, slightly 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

Hardin County Hospital Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hardin County Hospital Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68120
RSSD ID
139991
Primary regulator
State + NCUA
Established
1964
Headquarters
935 Wayne Rd, Savannah, TN 38372
Employees
1

Quick answers

Hardin County Hospital Employees Credit Union: common questions

Is Hardin County Hospital Employees Credit Union NCUA insured?

Yes. Hardin County Hospital Employees Credit Union is a federally insured credit union (NCUA charter #68120). 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 Hardin County Hospital Employees Credit Union's TellerScore?

68 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 Hardin County Hospital Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Savannah

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee River Federal Credit UnionCredit union Counce, TN89 out of 100, Very strong$16.3M33.2%0.25%vs
Wayne County BankBank Waynesboro, TN84 out of 100, Strong$595.1M13.6%0.72%vs
Peoples BankBank Clifton, TN79 out of 100, Strong$445.3M12.7%0.39%vs
Central BankBank Savannah, TN78 out of 100, Strong$160.2M12.0%0.00%vs
Farmers and Merchants BankBank Baldwyn, MS77 out of 100, Strong$565.8M14.2%1.69%vs
The Hardin County BankBank Savannah, TN76 out of 100, Strong$676.7M10.8%0.16%vs