TellerScore

Headquartered in Nashville, Tennessee, Old Hickory Credit Union is a federally insured state-chartered credit union with $347.3M in total assets and $309.7M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Old Hickory Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 92nd. Its strongest component is funding & liquidity (89/100; 71% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (55/100; 10.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.52%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity89/100
Loans ÷ shares: 71.0% · 1.9% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.00%

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 8 points (57 → 65), mostly because the loan quality component improved by 18 points.

TellerScore
566267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202456
Q1 202556
Q2 202557
Q3 202560
Q4 202564
Q1 202667
Q2 202665
Net worth ratio
7.00%8.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.25%
Q3 20249.83%
Q4 20249.72%
Q1 20259.66%
Q2 20259.93%
Q3 202510.25%
Q4 202510.20%
Q1 202610.27%
Q2 202610.52%
Delinquent loans (60+ days)
0.76%1.24%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20241.26%
Q4 20241.47%
Q1 20251.50%
Q2 20251.71%
Q3 20251.51%
Q4 20251.01%
Q1 20260.76%
Q2 20261.17%
Return on assets
0.40%0.68%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.77%
Q4 20240.75%
Q1 20250.62%
Q2 20250.92%
Q3 20250.88%
Q4 20250.82%
Q1 20260.76%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$347.3M10.52%1.17%0.95%71.0%
Q1 202667$346.0M10.27%0.76%0.76%71.0%
Q4 202564$342.0M10.20%1.01%0.82%72.9%
Q3 202560$338.1M10.25%1.51%0.88%76.0%
Q2 202557$342.3M9.93%1.71%0.92%74.0%
Q1 202556$340.9M9.66%1.50%0.62%75.0%
Q4 202456$333.6M9.72%1.47%0.75%78.9%
Q3 202459$327.0M9.83%1.26%0.77%81.8%
Q2 202457$334.4M9.25%1.01%0.40%80.8%

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 ratio10.52%
36th
Problem loans1.17%
23rd
Net charge-offs0.67%
22nd
Return on assets0.95%
63rd
Loans to deposits71.0%
59th
Uninsured deposits1.9%
91st
Loan-loss reserves0.00%
50th
Texas ratio8.0%
21st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
US Community Credit UnionCredit union Nashville, TN71 out of 100, Strong$345.7M11.5%0.70%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Bowater Employees Credit UnionCredit union Calhoun, TN75 out of 100, Strong$302.6M10.8%0.74%vs
Ten Credit UnionCredit union Nashville, TN62 out of 100, Moderate$392.0M8.6%0.21%vs
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs

Deposit insurance

Is my money safe at Old Hickory Credit Union?

Yes. Old Hickory Credit Union is a federally insured credit union (NCUA charter #67982). 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 1.9% of shares and deposits ($5.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.52%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Old Hickory Credit Union lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Old Hickory Credit Union reported 250 home-loan applications under HMDA (LEI 254900IZF27X7A3Q7I15): 153 originated ($20,375,000 total), 63 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.2%, 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
Old Hickory Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67982
RSSD ID
442495
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 140478, Nashville, TN 37214
Employees
77

Quick answers

Old Hickory Credit Union: common questions

Is Old Hickory Credit Union NCUA insured?

Yes. Old Hickory Credit Union is a federally insured credit union (NCUA charter #67982). 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 Old Hickory Credit Union's TellerScore?

65 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 Old Hickory Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nashville

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
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%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