TellerScore

Harris Employees Credit Union is a federally insured state-chartered credit union headquartered in Cordele, Georgia, in business for about 79 years. At the end of Q2 2026 it reported $626K in total assets and $389K in member shares and deposits.

Harris Employees Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 65th. Capital cushion contributes the most (100/100, 34.27%); earnings contributes the least (0/100, -1.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 34.27%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.95%
Earnings0/100
Return on assets (annualized): -1.39%
Funding & liquidity92/100
Loans ÷ shares: 68.7% · 0.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.93%

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 24 points (77 → 53), mostly because the loan quality component weakened by 100 points.

TellerScore
537086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202480
Q4 202486
Q1 202580
Q2 202577
Q3 202573
Q4 202582
Q1 202677
Q2 202653
Net worth ratio
7.00%20.64%34.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202433.05%
Q3 202432.95%
Q4 202433.56%
Q1 202531.47%
Q2 202529.54%
Q3 202529.08%
Q4 202530.88%
Q1 202633.65%
Q2 202634.27%
Delinquent loans (60+ days)
0.00%1.98%3.95%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 20250.98%
Q4 20250.26%
Q1 20260.25%
Q2 20263.95%
Return on assets
-1.39%-0.19%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.54%
Q3 20240.21%
Q4 20241.01%
Q1 20250.06%
Q2 2025-0.72%
Q3 2025-0.09%
Q4 20250.20%
Q1 2026-0.35%
Q2 2026-1.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$626K34.27%3.95%-1.39%68.7%
Q1 202677$648K33.65%0.25%-0.35%71.0%
Q4 202582$708K30.88%0.26%0.20%71.0%
Q3 202573$751K29.08%0.98%-0.09%68.6%
Q2 202577$732K29.54%0.00%-0.72%76.9%
Q1 202580$695K31.47%0.00%0.06%88.3%
Q4 202486$656K33.56%0.00%1.01%97.8%
Q3 202480$667K32.95%0.00%0.21%98.3%
Q2 202474$656K33.05%0.00%-0.54%103.7%

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 ratio34.27%
96th
Problem loans3.95%
9th
Net charge-offs-1.47%
100th
Return on assets-1.39%
5th
Loans to deposits68.7%
35th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.9%
30th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
F a B Church Federal Credit UnionCredit union Savannah, GA63 out of 100, Moderate$488K14.8%13.99%vs
Stephens County Community Federal Credit UnionCredit union Toccoa, GA69 out of 100, Moderate$155K14.0%13.84%vs
Berrien Teachers Federal Credit UnionCredit union Nashville, GA60 out of 100, Moderate$1.4M18.8%7.51%vs
Flint River Employees Federal Credit UnionCredit union Oglethorpe, GA82 out of 100, Strong$1.7M38.1%0.22%vs
Macon-Bibb Employees Credit UnionCredit union Macon, GA63 out of 100, Moderate$2.7M10.8%0.45%vs
Flint Federal Credit UnionCredit union Reynolds, GA99 out of 100, Very strong$2.9M30.0%0.00%vs

Deposit insurance

Is my money safe at Harris Employees Credit Union?

Yes. Harris Employees Credit Union is a federally insured credit union (NCUA charter #67563). 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 34.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Harris Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67563
RSSD ID
1226124
Primary regulator
State + NCUA
Established
1947
Headquarters
315 West 12th Ave, Cordele, GA 31015
Employees
2

Quick answers

Harris Employees Credit Union: common questions

Is Harris Employees Credit Union NCUA insured?

Yes. Harris Employees Credit Union is a federally insured credit union (NCUA charter #67563). 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 Harris Employees Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.