TellerScore

Headquartered in Jackson, Tennessee, Patriot Equity Credit Union is a federally insured state-chartered credit union with $33.0M in total assets and $29.3M in member shares and deposits as of Q2 2026. Its charter dates back to 1929.

Based on its Q2 2026 filing, Patriot Equity Credit Union scores 44/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 121st. Its strongest component is funding & liquidity (100/100; 60% loans-to-deposits, 10% uninsured), and its lowest is loan quality (3/100; 2.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.76%
Loan quality3/100
Loans 60+ days delinquent ÷ total loans: 2.92%
Earnings21/100
Return on assets (annualized): 0.04%
Funding & liquidity100/100
Loans ÷ shares: 59.8% · 10.2% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.41%

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 rose 4 points (40 → 44), mostly because the problem-loan coverage component improved by 24 points.

TellerScore
314253Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202437
Q3 202431
Q4 202433
Q1 202553
Q2 202540
Q3 202544
Q4 202550
Q1 202649
Q2 202644
Net worth ratio
7.00%9.04%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.00%
Q3 202410.35%
Q4 202410.05%
Q1 202510.27%
Q2 202510.21%
Q3 202511.09%
Q4 202510.41%
Q1 202610.50%
Q2 202610.76%
Delinquent loans (60+ days)
1.92%3.12%4.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.48%
Q3 20244.04%
Q4 20243.27%
Q1 20253.99%
Q2 20254.33%
Q3 20252.65%
Q4 20251.92%
Q1 20262.34%
Q2 20262.92%
Return on assets
-2.99%-0.60%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.99%
Q3 2024-2.40%
Q4 2024-1.60%
Q1 20251.79%
Q2 20250.17%
Q3 2025-0.21%
Q4 2025-0.21%
Q1 20260.03%
Q2 20260.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$33.0M10.76%2.92%0.04%59.8%
Q1 202649$33.8M10.50%2.34%0.03%61.1%
Q4 202550$34.1M10.41%1.92%-0.21%64.4%
Q3 202544$33.5M11.09%2.65%-0.21%69.2%
Q2 202540$37.2M10.21%4.33%0.17%66.7%
Q1 202553$38.4M10.27%3.99%1.79%70.9%
Q4 202433$37.5M10.05%3.27%-1.60%77.7%
Q3 202431$37.2M10.35%4.04%-2.40%83.1%
Q2 202437$39.4M10.00%2.48%-2.99%84.2%

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 ratio10.76%
22nd
Problem loans2.92%
13th
Net charge-offs1.76%
7th
Return on assets0.04%
21st
Loans to deposits59.8%
49th
Uninsured deposits10.2%
7th
Loan-loss reserves0.00%
37th
Texas ratio14.4%
8th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Tennessee Military Federal Credit UnionCredit union Louisville, TN83 out of 100, Strong$31.5M13.1%0.97%vs
Kemba Delta Federal Credit UnionCredit union Bartlett, TN73 out of 100, Strong$31.2M29.4%3.17%vs
Koin Credit UnionCredit union Brentwood, TN64 out of 100, Moderate$34.9M9.2%0.66%vs
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs
Outreach Federal Credit UnionCredit union Hermitage, TN70 out of 100, Strong$35.3M11.0%0.50%vs

Deposit insurance

Is my money safe at Patriot Equity Credit Union?

Yes. Patriot Equity Credit Union is a federally insured credit union (NCUA charter #60082). 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 10.2% of shares and deposits ($3.0M) 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 10.76%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Patriot Equity Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60082
RSSD ID
367299
Primary regulator
State + NCUA
Established
1929
Headquarters
1450 Union University Dr, Jackson, TN 38305
Employees
8

Quick answers

Patriot Equity Credit Union: common questions

Is Patriot Equity Credit Union NCUA insured?

Yes. Patriot Equity Credit Union is a federally insured credit union (NCUA charter #60082). 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 Patriot Equity Credit Union's TellerScore?

44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.