TellerScore

Healthcare Services Credit Union is a federally insured state-chartered credit union headquartered in Chattanooga, Tennessee, in business for about 74 years. At the end of Q2 2026 it reported $26.1M in total assets and $22.0M in member shares and deposits, with 2 offices.

Healthcare Services Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 24th. Capital cushion contributes the most (100/100, 15.01%); earnings contributes the least (39/100, 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.01%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity95/100
Loans ÷ shares: 64.9% · 3.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.75%

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 → 87).

TellerScore
828587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202485
Q4 202486
Q1 202582
Q2 202586
Q3 202585
Q4 202584
Q1 202684
Q2 202687
Net worth ratio
7.00%11.43%15.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.27%
Q3 202415.73%
Q4 202415.72%
Q1 202515.38%
Q2 202515.38%
Q3 202515.86%
Q4 202515.64%
Q1 202615.52%
Q2 202615.01%
Delinquent loans (60+ days)
0.00%0.22%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.28%
Q4 20240.26%
Q1 20250.43%
Q2 20250.00%
Q3 20250.13%
Q4 20250.40%
Q1 20260.34%
Q2 20260.03%
Return on assets
0.42%0.58%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.72%
Q4 20240.75%
Q1 20250.42%
Q2 20250.50%
Q3 20250.60%
Q4 20250.58%
Q1 20260.58%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$26.1M15.01%0.03%0.47%64.9%
Q1 202684$25.1M15.52%0.34%0.58%67.2%
Q4 202584$24.6M15.64%0.40%0.58%70.5%
Q3 202585$24.1M15.86%0.13%0.60%75.7%
Q2 202586$24.5M15.38%0.00%0.50%72.4%
Q1 202582$24.3M15.38%0.43%0.42%69.6%
Q4 202486$23.6M15.72%0.26%0.75%72.3%
Q3 202485$23.2M15.73%0.28%0.72%75.4%
Q2 202484$23.7M15.27%0.32%0.66%74.4%

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 ratio15.01%
54th
Problem loans0.03%
85th
Net charge-offs0.15%
52nd
Return on assets0.47%
40th
Loans to deposits64.9%
41st
Uninsured deposits3.1%
35th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
70th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Chattanooga First Federal Credit UnionCredit union Chattanooga, TN65 out of 100, Moderate$25.5M22.4%2.22%vs
Hiwassee River Credit UnionCredit union Charleston, TN74 out of 100, Strong$27.5M10.9%0.15%vs
Kennedy VA Employees Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$24.4M16.3%0.52%vs
Beacon Financial Credit UnionCredit union Johnson City, TN44 out of 100, Below average$27.9M7.7%1.39%vs
Maryville Municipal Credit UnionCredit union Maryville, TN89 out of 100, Very strong$23.2M16.8%0.45%vs
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs

Deposit insurance

Is my money safe at Healthcare Services Credit Union?

Yes. Healthcare Services Credit Union is a federally insured credit union (NCUA charter #68173). 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 3.1% of shares and deposits ($680K) 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 15.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Healthcare Services Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Healthcare Services Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68173
RSSD ID
357094
Primary regulator
State + NCUA
Established
1952
Headquarters
946 E 3rd St, Chattanooga, TN 37403
Employees
10

Quick answers

Healthcare Services Credit Union: common questions

Is Healthcare Services Credit Union NCUA insured?

Yes. Healthcare Services Credit Union is a federally insured credit union (NCUA charter #68173). 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 Healthcare Services Credit Union's TellerScore?

87 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 Healthcare Services Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chattanooga

InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs