TellerScore

Outreach Federal Credit Union is a federal credit union headquartered in Hermitage, Tennessee, in business for about 73 years. At the end of Q2 2026 it reported $35.3M in total assets and $31.2M in member shares and deposits, with 2 offices.

Outreach Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 80th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 1% uninsured); earnings contributes the least (33/100, 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.96%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity100/100
Loans ÷ shares: 53.9% · 1.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.18%

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 2 points (68 → 70), mostly because the loan quality component improved by 8 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202474
Q4 202470
Q1 202574
Q2 202568
Q3 202569
Q4 202570
Q1 202673
Q2 202670
Net worth ratio
7.00%9.32%11.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.40%
Q3 202411.25%
Q4 202411.63%
Q1 202511.65%
Q2 202511.43%
Q3 202511.18%
Q4 202511.10%
Q1 202611.06%
Q2 202610.96%
Delinquent loans (60+ days)
0.00%0.38%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.00%
Q4 20240.51%
Q1 20250.25%
Q2 20250.76%
Q3 20250.68%
Q4 20250.55%
Q1 20260.08%
Q2 20260.50%
Return on assets
0.15%0.26%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.20%
Q4 20240.17%
Q1 20250.25%
Q2 20250.28%
Q3 20250.37%
Q4 20250.36%
Q1 20260.15%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$35.3M10.96%0.50%0.32%53.9%
Q1 202673$34.6M11.06%0.08%0.15%55.0%
Q4 202570$34.4M11.10%0.55%0.36%55.7%
Q3 202569$33.9M11.18%0.68%0.37%58.1%
Q2 202568$32.7M11.43%0.76%0.28%61.2%
Q1 202574$33.1M11.65%0.25%0.25%61.5%
Q4 202470$33.0M11.63%0.51%0.17%62.2%
Q3 202474$29.5M11.25%0.00%0.20%64.8%
Q2 202470$28.9M11.40%0.35%0.15%65.5%

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 ratio10.96%
24th
Problem loans0.50%
59th
Net charge-offs0.36%
35th
Return on assets0.32%
32nd
Loans to deposits53.9%
57th
Uninsured deposits1.2%
51st
Loan-loss reserves0.00%
37th
Texas ratio2.2%
50th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Koin Credit UnionCredit union Brentwood, TN64 out of 100, Moderate$34.9M9.2%0.66%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
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs
Patriot Equity Credit UnionCredit union Jackson, TN44 out of 100, Below average$33.0M10.8%2.92%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 Outreach Federal Credit Union?

Yes. Outreach Federal Credit Union is a federally insured credit union (NCUA charter #8922). 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 1.2% of shares and deposits ($379K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.96%, 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

Outreach Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Outreach Federal Credit Union
Type
Federal credit union
NCUA charter #
8922
RSSD ID
146784
Primary regulator
NCUA
Established
1953
Headquarters
3904 Central Pike, Hermitage, TN 37076
Employees
7

Quick answers

Outreach Federal Credit Union: common questions

Is Outreach Federal Credit Union NCUA insured?

Yes. Outreach Federal Credit Union is a federally insured credit union (NCUA charter #8922). 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 Outreach Federal Credit Union's TellerScore?

70 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 Outreach Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hermitage

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