TellerScore

Northeast Community Credit Union is a federally insured state-chartered credit union headquartered in Elizabethton, Tennessee, in business for about 74 years. At the end of Q2 2026 it reported $194.2M in total assets and $164.5M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Northeast Community Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 52nd. Its strongest component is capital cushion (100/100; 16.77%), and its lowest is loan quality (45/100; 1.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.77%
Loan quality45/100
Loans 60+ days delinquent ÷ total loans: 1.64%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity97/100
Loans ÷ shares: 63.1% · 7.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.41%

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 11 points (89 → 78), mostly because the loan quality component weakened by 39 points.

TellerScore
788591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202491
Q4 202486
Q1 202588
Q2 202589
Q3 202589
Q4 202584
Q1 202681
Q2 202678
Net worth ratio
7.00%11.98%16.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.62%
Q3 202416.03%
Q4 202415.96%
Q1 202515.80%
Q2 202516.14%
Q3 202516.65%
Q4 202516.97%
Q1 202616.88%
Q2 202616.77%
Delinquent loans (60+ days)
0.35%0.99%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.35%
Q4 20240.88%
Q1 20250.51%
Q2 20250.49%
Q3 20250.51%
Q4 20251.05%
Q1 20261.42%
Q2 20261.64%
Return on assets
1.13%1.22%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.31%
Q4 20241.22%
Q1 20251.13%
Q2 20251.17%
Q3 20251.28%
Q4 20251.28%
Q1 20261.19%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$194.2M16.77%1.64%1.13%63.1%
Q1 202681$188.7M16.88%1.42%1.19%63.3%
Q4 202584$184.3M16.97%1.05%1.28%63.2%
Q3 202589$184.4M16.65%0.51%1.28%62.9%
Q2 202589$186.0M16.14%0.49%1.17%59.6%
Q1 202588$186.5M15.80%0.51%1.13%57.1%
Q4 202486$181.2M15.96%0.88%1.22%59.3%
Q3 202491$177.5M16.03%0.35%1.31%60.1%
Q2 202489$178.9M15.62%0.61%1.27%58.2%

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 ratio16.77%
92nd
Problem loans1.64%
11th
Net charge-offs0.20%
69th
Return on assets1.13%
74th
Loans to deposits63.1%
73rd
Uninsured deposits7.2%
38th
Loan-loss reserves0.00%
50th
Texas ratio5.4%
35th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN76 out of 100, Strong$199.2M12.0%0.28%vs
Employee Resources Credit UnionCredit union Lawrenceburg, TN62 out of 100, Moderate$185.5M9.5%0.58%vs
Appalachian Community Federal Credit UnionCredit union Kingsport, TN70 out of 100, Strong$182.8M11.0%0.26%vs
Johnsonville TVA Employees Credit UnionCredit union Camden, TN92 out of 100, Very strong$180.7M16.4%0.73%vs
Scenic Community Credit UnionCredit union Hixson, TN47 out of 100, Below average$163.8M9.4%1.46%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 Northeast Community Credit Union?

Yes. Northeast Community Credit Union is a federally insured credit union (NCUA charter #67021). 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 ($11.8M) 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 16.77%, 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

Northeast Community Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northeast Community Credit Union reported 51 home-loan applications under HMDA (LEI 549300RP7VACH3GG5E95): 51 originated ($8,245,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Northeast Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67021
RSSD ID
522593
Primary regulator
State + NCUA
Established
1952
Headquarters
980 Jason Witten Way, Elizabethton, TN 37643
Employees
48

Quick answers

Northeast Community Credit Union: common questions

Is Northeast Community Credit Union NCUA insured?

Yes. Northeast Community Credit Union is a federally insured credit union (NCUA charter #67021). 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 Northeast Community Credit Union's TellerScore?

78 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 Northeast Community Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Elizabethton

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs
Elizabethton Federal Savings BankBank Elizabethton, TN86 out of 100, Very strong$326.0M42.3%0.25%vs
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs
Lee Bank and Trust CompanyBank Pennington Gap, VA82 out of 100, Strong$257.3M14.1%1.37%vs