TellerScore

Knox Co. Employees Credit Union is a federally insured state-chartered credit union headquartered in Knoxville, Tennessee, in business for about 52 years. At the end of Q2 2026 it reported $12.5M in total assets and $10.1M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Knox Co. Employees Credit Union scores 96/100, which we describe as very strong. That is higher than 97% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 5th. Its strongest component is capital cushion (100/100; 18.82%), and its lowest is earnings (80/100; 1.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.82%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity99/100
Loans ÷ shares: 61.5% · 3.7% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.12%

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 (97 → 96).

TellerScore
899397Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202490
Q4 202491
Q1 202596
Q2 202597
Q3 202596
Q4 202595
Q1 202695
Q2 202696
Net worth ratio
7.00%12.91%18.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.77%
Q3 202416.66%
Q4 202417.15%
Q1 202517.18%
Q2 202517.74%
Q3 202517.84%
Q4 202517.36%
Q1 202618.01%
Q2 202618.82%
Delinquent loans (60+ days)
0.00%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.00%
Q4 20240.03%
Q1 20250.00%
Q2 20250.00%
Q3 20250.03%
Q4 20250.10%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.78%1.28%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.91%
Q4 20241.13%
Q1 20251.64%
Q2 20251.78%
Q3 20251.70%
Q4 20251.60%
Q1 20261.37%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$12.5M18.82%0.04%1.51%61.5%
Q1 202695$12.8M18.01%0.00%1.37%62.2%
Q4 202595$13.0M17.36%0.10%1.60%64.9%
Q3 202596$12.4M17.84%0.03%1.70%68.0%
Q2 202597$12.2M17.74%0.00%1.78%68.5%
Q1 202596$12.2M17.18%0.00%1.64%67.7%
Q4 202491$12.0M17.15%0.03%1.13%69.7%
Q3 202490$12.0M16.66%0.00%0.91%67.0%
Q2 202489$11.7M16.77%0.01%0.78%70.3%

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 ratio18.82%
73rd
Problem loans0.04%
84th
Net charge-offs0.18%
49th
Return on assets1.51%
85th
Loans to deposits61.5%
46th
Uninsured deposits3.7%
30th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
I B E W 175 Federal Credit UnionCredit union Chattanooga, TN69 out of 100, Moderate$13.8M17.8%4.05%vs
Sevier County Schools Federal Credit UnionCredit union Sevierville, TN99 out of 100, Very strong$13.9M21.8%0.09%vs
Greeneville City Employees' Credit UnionCredit union Greeneville, TN90 out of 100, Very strong$13.9M29.5%0.32%vs
Dixie Line Credit UnionCredit union Nashville, TN73 out of 100, Strong$14.5M15.8%1.34%vs
Memphis Municipal Employees Federal Credit UnionCredit union Memphis, TN65 out of 100, Moderate$14.6M20.3%2.10%vs

Deposit insurance

Is my money safe at Knox Co. Employees Credit Union?

Yes. Knox Co. Employees Credit Union is a federally insured credit union (NCUA charter #67793). 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 3.7% of shares and deposits ($370K) 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 18.82%, well 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

Knox Co. Employees Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Knox Co. Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67793
RSSD ID
459091
Primary regulator
State + NCUA
Established
1974
Headquarters
400 W Main St Rm 355, Knoxville, TN 37902
Employees
5

Quick answers

Knox Co. Employees Credit Union: common questions

Is Knox Co. Employees Credit Union NCUA insured?

Yes. Knox Co. Employees Credit Union is a federally insured credit union (NCUA charter #67793). 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 Knox Co. Employees Credit Union's TellerScore?

96 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 Knox Co. Employees Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Knoxville

InstitutionScoreAssetsCapitalProblem loansCompare
Sevier County Schools Federal Credit UnionCredit union Sevierville, TN99 out of 100, Very strong$13.9M21.8%0.09%vs
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs