TellerScore

Koin Credit Union is a federally insured state-chartered credit union headquartered in Brentwood, Tennessee, in business for about 72 years. At the end of Q2 2026 it reported $34.9M in total assets and $31.6M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Koin Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 98th. Its strongest component is funding & liquidity (95/100; 65% loans-to-deposits, 9% uninsured), and its lowest is capital cushion (42/100; 9.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.17%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.66%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity95/100
Loans ÷ shares: 65.1% · 9.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.27%

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 26 points (38 → 64), mostly because the loan quality component improved by 52 points.

TellerScore
385266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202440
Q4 202452
Q1 202555
Q2 202538
Q3 202555
Q4 202556
Q1 202666
Q2 202664
Net worth ratio
7.00%8.09%9.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.74%
Q3 20248.83%
Q4 20248.79%
Q1 20258.77%
Q2 20258.77%
Q3 20258.52%
Q4 20258.55%
Q1 20268.73%
Q2 20269.17%
Delinquent loans (60+ days)
0.14%1.17%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20242.09%
Q4 20240.83%
Q1 20250.53%
Q2 20252.21%
Q3 20250.47%
Q4 20250.44%
Q1 20260.33%
Q2 20260.66%
Return on assets
-0.92%-0.16%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.75%
Q3 2024-0.62%
Q4 2024-0.59%
Q1 2025-0.49%
Q2 2025-0.92%
Q3 2025-0.70%
Q4 2025-0.57%
Q1 20260.56%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$34.9M9.17%0.66%0.59%65.1%
Q1 202666$36.0M8.73%0.33%0.56%65.3%
Q4 202556$36.2M8.55%0.44%-0.57%65.6%
Q3 202555$36.9M8.52%0.47%-0.70%66.3%
Q2 202538$36.2M8.77%2.21%-0.92%69.2%
Q1 202555$37.5M8.77%0.53%-0.49%69.1%
Q4 202452$38.0M8.79%0.83%-0.59%69.2%
Q3 202440$38.7M8.83%2.09%-0.62%68.0%
Q2 202459$39.5M8.74%0.14%-0.75%67.7%

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 ratio9.17%
10th
Problem loans0.66%
51st
Net charge-offs0.35%
35th
Return on assets0.59%
47th
Loans to deposits65.1%
41st
Uninsured deposits9.3%
8th
Loan-loss reserves0.00%
37th
Texas ratio4.3%
34th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Outreach Federal Credit UnionCredit union Hermitage, TN70 out of 100, Strong$35.3M11.0%0.50%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
Patriot Equity Credit UnionCredit union Jackson, TN44 out of 100, Below average$33.0M10.8%2.92%vs
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs
St. Thomas Credit UnionCredit union Nashville, TN59 out of 100, Moderate$38.3M12.3%1.86%vs

Deposit insurance

Is my money safe at Koin Credit Union?

Yes. Koin Credit Union is a federally insured credit union (NCUA charter #68172). 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 9.3% of shares and deposits ($2.9M) 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 9.17%, 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

Koin Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Koin Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68172
RSSD ID
702199
Primary regulator
State + NCUA
Established
1954
Headquarters
215 Centerview Dr Ste 3-111, Brentwood, TN 37027
Employees
8

Quick answers

Koin Credit Union: common questions

Is Koin Credit Union NCUA insured?

Yes. Koin Credit Union is a federally insured credit union (NCUA charter #68172). 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 Koin Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Koin Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Brentwood

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs