TellerScore

Jack Daniel Employees Credit Union is a federally insured state-chartered credit union headquartered in Lynchburg, Tennessee, in business for about 39 years. At the end of Q2 2026 it reported $56.7M in total assets and $49.8M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Jack Daniel Employees 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 64th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is capital cushion (63/100; 11.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.32%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity83/100
Loans ÷ shares: 77.6% · 5.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.78%

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 5 points (79 → 74), mostly because the earnings component weakened by 14 points.

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202474
Q1 202581
Q2 202579
Q3 202580
Q4 202572
Q1 202675
Q2 202674
Net worth ratio
7.00%9.33%11.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.81%
Q3 202410.89%
Q4 202411.02%
Q1 202511.21%
Q2 202511.38%
Q3 202511.66%
Q4 202511.33%
Q1 202611.28%
Q2 202611.32%
Delinquent loans (60+ days)
0.19%0.41%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.27%
Q4 20240.19%
Q1 20250.22%
Q2 20250.36%
Q3 20250.44%
Q4 20250.54%
Q1 20260.56%
Q2 20260.63%
Return on assets
0.76%1.20%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20240.76%
Q4 20240.94%
Q1 20251.65%
Q2 20251.54%
Q3 20251.56%
Q4 20250.83%
Q1 20261.27%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$56.7M11.32%0.63%1.18%77.6%
Q1 202675$55.5M11.28%0.56%1.27%77.2%
Q4 202572$53.7M11.33%0.54%0.83%77.4%
Q3 202580$53.9M11.66%0.44%1.56%78.3%
Q2 202579$53.3M11.38%0.36%1.54%78.8%
Q1 202581$52.4M11.21%0.22%1.65%80.0%
Q4 202474$51.3M11.02%0.19%0.94%81.3%
Q3 202472$50.3M10.89%0.27%0.76%79.8%
Q2 202474$50.5M10.81%0.30%1.08%78.5%

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 ratio11.32%
26th
Problem loans0.63%
53rd
Net charge-offs0.14%
53rd
Return on assets1.18%
75th
Loans to deposits77.6%
22nd
Uninsured deposits5.1%
20th
Loan-loss reserves0.00%
37th
Texas ratio3.8%
37th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Experience Credit UnionCredit union Johnson City, TN64 out of 100, Moderate$56.4M14.0%1.47%vs
Veritas Federal Credit UnionCredit union Smyrna, TN57 out of 100, Moderate$57.1M8.0%0.60%vs
Healthnet Federal Credit UnionCredit union Cordova, TN78 out of 100, Strong$58.1M13.2%0.27%vs
Fedtrust Federal Credit UnionCredit union Memphis, TN56 out of 100, Moderate$55.3M7.2%0.52%vs
Resource Federal Credit UnionCredit union Jackson, TN71 out of 100, Strong$54.7M10.4%0.62%vs
Vanderbilt Credit UnionCredit union Nashville, TN57 out of 100, Moderate$53.2M9.8%1.29%vs

Deposit insurance

Is my money safe at Jack Daniel Employees Credit Union?

Yes. Jack Daniel Employees Credit Union is a federally insured credit union (NCUA charter #67197). 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 5.1% of shares and deposits ($2.6M) 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 11.32%, 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

Jack Daniel Employees Credit Union lists 1 office in 1 city. Most locations:

  • Lynchburg, TN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Jack Daniel Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67197
RSSD ID
648390
Primary regulator
State + NCUA
Established
1987
Headquarters
Po Box 199, Lynchburg, TN 37352
Employees
9

Quick answers

Jack Daniel Employees Credit Union: common questions

Is Jack Daniel Employees Credit Union NCUA insured?

Yes. Jack Daniel Employees Credit Union is a federally insured credit union (NCUA charter #67197). 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 Jack Daniel Employees 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 Jack Daniel Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lynchburg

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank & Trust CompanyBank Manchester, TN93 out of 100, Very strong$168.6M14.7%0.02%vs
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Bank of Lincoln CountyBank Fayetteville, TN86 out of 100, Very strong$230.1M12.2%0.01%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs