TellerScore

L G & W Federal Credit Union (NCUA charter #3796) is based in Memphis, Tennessee. Its Q2 2026 call report shows $115.1M in total assets and $91.0M in member shares and deposits and 1 office.

L G & W Federal Credit Union has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 11th. Capital cushion contributes the most (100/100, 21.71%); earnings contributes the least (72/100, 1.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.71%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity100/100
Loans ÷ shares: 34.9% · 7.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.43%

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 (91 → 92).

TellerScore
879093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202493
Q4 202487
Q1 202589
Q2 202591
Q3 202592
Q4 202588
Q1 202691
Q2 202692
Net worth ratio
7.00%14.47%21.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.66%
Q3 202420.95%
Q4 202421.42%
Q1 202521.11%
Q2 202521.61%
Q3 202521.94%
Q4 202521.56%
Q1 202621.22%
Q2 202621.71%
Delinquent loans (60+ days)
0.09%0.39%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.09%
Q4 20240.60%
Q1 20250.69%
Q2 20250.49%
Q3 20250.33%
Q4 20250.33%
Q1 20260.48%
Q2 20260.32%
Return on assets
0.84%1.13%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.24%
Q3 20241.24%
Q4 20241.01%
Q1 20251.37%
Q2 20251.34%
Q3 20251.35%
Q4 20250.84%
Q1 20261.42%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$115.1M21.71%0.32%1.30%34.9%
Q1 202691$116.2M21.22%0.48%1.42%35.0%
Q4 202588$112.5M21.56%0.33%0.84%37.3%
Q3 202592$111.3M21.94%0.33%1.35%37.3%
Q2 202591$111.3M21.61%0.49%1.34%36.9%
Q1 202589$112.2M21.11%0.69%1.37%36.4%
Q4 202487$108.8M21.42%0.60%1.01%38.7%
Q3 202493$110.9M20.95%0.09%1.24%38.0%
Q2 202493$110.8M20.66%0.15%1.24%37.2%

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 ratio21.71%
98th
Problem loans0.32%
81st
Net charge-offs0.71%
19th
Return on assets1.30%
82nd
Loans to deposits34.9%
98th
Uninsured deposits7.2%
38th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs
Holley Credit UnionCredit union Paris, TN85 out of 100, Very strong$105.3M13.8%0.51%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs
Upper Cumberland Federal Credit UnionCredit union Crossville, TN72 out of 100, Strong$140.5M9.9%0.20%vs
Trust Federal Credit UnionCredit union Chattanooga, TN44 out of 100, Below average$141.8M11.7%3.41%vs

Deposit insurance

Is my money safe at L G & W Federal Credit Union?

Yes. L G & W Federal Credit Union is a federally insured credit union (NCUA charter #3796). 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 7.2% of shares and deposits ($6.5M) 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 21.71%, well 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

L G & W Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
L G & W Federal Credit Union
Type
Federal credit union
NCUA charter #
3796
RSSD ID
424576
Primary regulator
NCUA
Established
1940
Headquarters
1616 Whitten Rd, Memphis, TN 38134
Employees
15

Quick answers

L G & W Federal Credit Union: common questions

Is L G & W Federal Credit Union NCUA insured?

Yes. L G & W Federal Credit Union is a federally insured credit union (NCUA charter #3796). 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 L G & W Federal 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 L G & W Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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