TellerScore

Johnsonville TVA Employees Credit Union (NCUA charter #60345) is based in Camden, Tennessee. Its Q2 2026 call report shows $180.7M in total assets and $149.7M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Johnsonville TVA Employees Credit Union scores 92/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 10th. Its strongest component is capital cushion (100/100; 16.39%), and its lowest is loan quality (76/100; 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.39%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity100/100
Loans ÷ shares: 59.4% · 6.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.18%

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 (93 → 92).

TellerScore
899193Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202490
Q4 202489
Q1 202592
Q2 202593
Q3 202592
Q4 202591
Q1 202693
Q2 202692
Net worth ratio
7.00%11.70%16.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.00%
Q3 202415.34%
Q4 202415.21%
Q1 202515.45%
Q2 202515.72%
Q3 202516.33%
Q4 202516.19%
Q1 202615.99%
Q2 202616.39%
Delinquent loans (60+ days)
0.55%0.73%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20240.92%
Q4 20240.89%
Q1 20250.74%
Q2 20250.73%
Q3 20250.78%
Q4 20250.87%
Q1 20260.55%
Q2 20260.73%
Return on assets
1.72%1.90%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.87%
Q3 20241.92%
Q4 20241.75%
Q1 20251.92%
Q2 20251.95%
Q3 20252.07%
Q4 20251.83%
Q1 20261.72%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$180.7M16.39%0.73%1.80%59.4%
Q1 202693$179.9M15.99%0.55%1.72%58.9%
Q4 202591$172.9M16.19%0.87%1.83%61.5%
Q3 202592$168.1M16.33%0.78%2.07%64.1%
Q2 202593$168.6M15.72%0.73%1.95%64.1%
Q1 202592$166.0M15.45%0.74%1.92%63.3%
Q4 202489$163.4M15.21%0.89%1.75%63.0%
Q3 202490$158.5M15.34%0.92%1.92%66.1%
Q2 202490$156.7M15.00%0.88%1.87%66.9%

1,341 peers · $100 million – $1 billion

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 ratio16.39%
91st
Problem loans0.73%
47th
Net charge-offs0.19%
72nd
Return on assets1.80%
95th
Loans to deposits59.4%
78th
Uninsured deposits6.9%
41st
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Appalachian Community Federal Credit UnionCredit union Kingsport, TN70 out of 100, Strong$182.8M11.0%0.26%vs
Employee Resources Credit UnionCredit union Lawrenceburg, TN62 out of 100, Moderate$185.5M9.5%0.58%vs
Northeast Community Credit UnionCredit union Elizabethton, TN78 out of 100, Strong$194.2M16.8%1.64%vs
Scenic Community Credit UnionCredit union Hixson, TN47 out of 100, Below average$163.8M9.4%1.46%vs
Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN76 out of 100, Strong$199.2M12.0%0.28%vs
Kimberly Clark Credit UnionCredit union Memphis, TN75 out of 100, Strong$144.7M22.3%1.33%vs

Deposit insurance

Is my money safe at Johnsonville TVA Employees Credit Union?

Yes. Johnsonville TVA Employees Credit Union is a federally insured credit union (NCUA charter #60345). 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 6.9% of shares and deposits ($10.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Johnsonville TVA Employees Credit Union lists 4 offices in 4 cities. Most locations:

  • Camden, TN (1)
  • Cumberland City, TN (1)
  • Huntingdon, TN (1)
  • New Johnsonville, TN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Johnsonville TVA Employees Credit Union reported 44 home-loan applications under HMDA (LEI 549300GJXNFP6TD1QN94): 18 originated ($1,960,000 total), 25 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 58.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Johnsonville TVA Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60345
RSSD ID
137090
Primary regulator
State + NCUA
Established
1952
Headquarters
209 Highway 641 N, Camden, TN 38320
Employees
35

Quick answers

Johnsonville TVA Employees Credit Union: common questions

Is Johnsonville TVA Employees Credit Union NCUA insured?

Yes. Johnsonville TVA Employees Credit Union is a federally insured credit union (NCUA charter #60345). 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 Johnsonville TVA Employees Credit Union's TellerScore?

92 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 Johnsonville TVA Employees Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Camden

InstitutionScoreAssetsCapitalProblem loansCompare
Lakeside Credit UnionCredit union New Johnsonvill, TN89 out of 100, Very strong$44.7M16.9%0.56%vs
Holley Credit UnionCredit union Paris, TN85 out of 100, Very strong$105.3M13.8%0.51%vs
Commercial Bank & Trust Co.Bank Paris, TN80 out of 100, Strong$1.1B12.1%0.15%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs
Foundation BankBank Mc Kenzie, TN75 out of 100, Strong$217.9M14.7%2.39%vs
First Federal BankBank Dickson, TN71 out of 100, Strong$1.1B10.5%0.52%vs