TellerScore

Headquartered in Jackson, Tennessee, Resource Federal Credit Union is a federal credit union with $54.7M in total assets and $48.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1963.

Resource Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 74th. Funding & liquidity contributes the most (100/100, 26% loans-to-deposits, 1% uninsured); earnings contributes the least (51/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.39%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings51/100
Return on assets (annualized): 0.76%
Funding & liquidity100/100
Loans ÷ shares: 26.1% · 0.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.38%

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 (71 → 71).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202474
Q4 202473
Q1 202567
Q2 202571
Q3 202570
Q4 202571
Q1 202668
Q2 202671
Net worth ratio
7.00%8.70%10.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.35%
Q3 20249.47%
Q4 20249.77%
Q1 20259.59%
Q2 20259.65%
Q3 20259.75%
Q4 20259.86%
Q1 20269.93%
Q2 202610.39%
Delinquent loans (60+ days)
0.15%0.39%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.15%
Q4 20240.38%
Q1 20250.48%
Q2 20250.24%
Q3 20250.54%
Q4 20250.47%
Q1 20260.55%
Q2 20260.62%
Return on assets
0.44%0.69%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.92%
Q4 20240.94%
Q1 20250.44%
Q2 20250.67%
Q3 20250.73%
Q4 20250.80%
Q1 20260.55%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$54.7M10.39%0.62%0.76%26.1%
Q1 202668$55.9M9.93%0.55%0.55%24.8%
Q4 202571$55.5M9.86%0.47%0.80%24.0%
Q3 202570$54.6M9.75%0.54%0.73%24.1%
Q2 202571$54.0M9.65%0.24%0.67%23.9%
Q1 202567$53.0M9.59%0.48%0.44%24.8%
Q4 202473$51.5M9.77%0.38%0.94%26.5%
Q3 202474$51.8M9.47%0.15%0.92%27.1%
Q2 202469$51.0M9.35%0.52%0.88%28.3%

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 ratio10.39%
19th
Problem loans0.62%
53rd
Net charge-offs0.36%
35th
Return on assets0.76%
56th
Loans to deposits26.1%
92nd
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Fedtrust Federal Credit UnionCredit union Memphis, TN56 out of 100, Moderate$55.3M7.2%0.52%vs
Vanderbilt Credit UnionCredit union Nashville, TN57 out of 100, Moderate$53.2M9.8%1.29%vs
Greater Experience Credit UnionCredit union Johnson City, TN64 out of 100, Moderate$56.4M14.0%1.47%vs
Jack Daniel Employees Credit UnionCredit union Lynchburg, TN74 out of 100, Strong$56.7M11.3%0.63%vs
Veritas Federal Credit UnionCredit union Smyrna, TN57 out of 100, Moderate$57.1M8.0%0.60%vs
Healthnet Federal Credit UnionCredit union Cordova, TN78 out of 100, Strong$58.1M13.2%0.27%vs

Deposit insurance

Is my money safe at Resource Federal Credit Union?

Yes. Resource Federal Credit Union is a federally insured credit union (NCUA charter #24575). 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 0.9% of shares and deposits ($434K) 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 10.39%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Resource Federal Credit Union
Type
Federal credit union
NCUA charter #
24575
RSSD ID
255994
Primary regulator
NCUA
Established
1963
Headquarters
525 Old Hickory Blvd, Jackson, TN 38305
Employees
13

Quick answers

Resource Federal Credit Union: common questions

Is Resource Federal Credit Union NCUA insured?

Yes. Resource Federal Credit Union is a federally insured credit union (NCUA charter #24575). 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 Resource Federal Credit Union's TellerScore?

71 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 Resource Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jackson

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
Johnsonville TVA Employees Credit UnionCredit union Camden, TN92 out of 100, Very strong$180.7M16.4%0.73%vs
Tennessee River Federal Credit UnionCredit union Counce, TN89 out of 100, Very strong$16.3M33.2%0.25%vs
Enlighten Federal Credit UnionCredit union Jackson, TN85 out of 100, Very strong$16.8M14.3%0.69%vs
Commercial Bank & Trust Co.Bank Paris, TN80 out of 100, Strong$1.1B12.1%0.15%vs