TellerScore

Hiwassee River Credit Union is a federally insured state-chartered credit union headquartered in Charleston, Tennessee, in business for about 57 years. At the end of Q2 2026 it reported $27.5M in total assets and $24.4M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Hiwassee River Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 65th. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 5% uninsured), and its lowest is earnings (36/100; 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.94%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity100/100
Loans ÷ shares: 47.1% · 4.6% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.58%

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 3 points (71 → 74), mostly because the earnings component weakened by 7 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202471
Q1 202573
Q2 202571
Q3 202573
Q4 202575
Q1 202675
Q2 202674
Net worth ratio
7.00%9.00%10.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.39%
Q3 20249.60%
Q4 20249.86%
Q1 20259.89%
Q2 202510.25%
Q3 202510.75%
Q4 202510.99%
Q1 202610.74%
Q2 202610.94%
Delinquent loans (60+ days)
0.00%0.22%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.01%
Q4 20240.21%
Q1 20250.00%
Q2 20250.34%
Q3 20250.44%
Q4 20250.21%
Q1 20260.07%
Q2 20260.15%
Return on assets
0.40%0.55%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.54%
Q4 20240.47%
Q1 20250.52%
Q2 20250.58%
Q3 20250.70%
Q4 20250.61%
Q1 20260.53%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$27.5M10.94%0.15%0.40%47.1%
Q1 202675$27.9M10.74%0.07%0.53%48.2%
Q4 202575$26.9M10.99%0.21%0.61%51.9%
Q3 202573$27.3M10.75%0.44%0.70%52.8%
Q2 202571$28.0M10.25%0.34%0.58%50.6%
Q1 202573$28.6M9.89%0.00%0.52%51.7%
Q4 202471$28.3M9.86%0.21%0.47%53.7%
Q3 202472$28.9M9.60%0.01%0.54%53.2%
Q2 202470$29.1M9.39%0.11%0.51%53.9%

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 ratio10.94%
23rd
Problem loans0.15%
77th
Net charge-offs0.23%
45th
Return on assets0.40%
37th
Loans to deposits47.1%
68th
Uninsured deposits4.6%
24th
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Beacon Financial Credit UnionCredit union Johnson City, TN44 out of 100, Below average$27.9M7.7%1.39%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Chattanooga First Federal Credit UnionCredit union Chattanooga, TN65 out of 100, Moderate$25.5M22.4%2.22%vs
Kennedy VA Employees Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$24.4M16.3%0.52%vs
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs
Kemba Delta Federal Credit UnionCredit union Bartlett, TN73 out of 100, Strong$31.2M29.4%3.17%vs

Deposit insurance

Is my money safe at Hiwassee River Credit Union?

Yes. Hiwassee River Credit Union is a federally insured credit union (NCUA charter #67946). 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 4.6% of shares and deposits ($1.1M) 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 10.94%, 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

Hiwassee River Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hiwassee River Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67946
RSSD ID
704296
Primary regulator
State + NCUA
Established
1969
Headquarters
Po Box 828, Charleston, TN 37310
Employees
6

Quick answers

Hiwassee River Credit Union: common questions

Is Hiwassee River Credit Union NCUA insured?

Yes. Hiwassee River Credit Union is a federally insured credit union (NCUA charter #67946). 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 Hiwassee River Credit Union's TellerScore?

74 out of 100 (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 Hiwassee River Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Citizens National BankBank Sevierville, TN82 out of 100, Strong$2.0B11.2%0.04%vs
Cleveland-Bradley Cty Teacher Federal Credit UnionCredit union Cleveland, TN82 out of 100, Strong$74.1M12.9%0.51%vs
B. M. H. Federal Credit UnionCredit union Cleveland, TN79 out of 100, Strong$3.7M21.2%0.94%vs
Peoples Bank of East TennesseeBank Madisonville, TN78 out of 100, Strong$456.1M10.9%0.37%vs