Headquartered in Hixson, Tennessee, Scenic Community Credit Union is a federally insured state-chartered credit union with $163.8M in total assets and $147.5M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1954.
Scenic Community Credit Union has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 118th. Funding & liquidity contributes the most (67/100, 94% loans-to-deposits, 4% uninsured); earnings contributes the least (20/100, 0.00%).
TellerScore · Q2 2026
Scorecard
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 10 points (57 → 47), mostly because the loan quality component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 55 |
| Q2 2025 | 57 |
| Q3 2025 | 55 |
| Q4 2025 | 50 |
| Q1 2026 | 47 |
| Q2 2026 | 47 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.54% |
| Q3 2024 | 10.37% |
| Q4 2024 | 10.02% |
| Q1 2025 | 10.02% |
| Q2 2025 | 9.96% |
| Q3 2025 | 9.77% |
| Q4 2025 | 9.67% |
| Q1 2026 | 9.44% |
| Q2 2026 | 9.37% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.63% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.24% |
| Q1 2025 | -0.31% |
| Q2 2025 | -0.13% |
| Q3 2025 | -0.22% |
| Q4 2025 | -0.26% |
| Q1 2026 | -0.45% |
| Q2 2026 | 0.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $163.8M | 9.37% | 1.46% | 0.00% | 93.7% |
| Q1 2026 | 47 | $160.8M | 9.44% | 1.21% | -0.45% | 86.9% |
| Q4 2025 | 50 | $158.8M | 9.67% | 1.06% | -0.26% | 91.1% |
| Q3 2025 | 55 | $164.2M | 9.77% | 0.63% | -0.22% | 89.3% |
| Q2 2025 | 57 | $162.6M | 9.96% | 0.56% | -0.13% | 89.6% |
| Q1 2025 | 55 | $161.5M | 10.02% | 0.61% | -0.31% | 89.9% |
| Q4 2024 | 60 | $162.7M | 10.02% | 0.53% | 0.24% | 93.9% |
| Q3 2024 | 60 | $164.6M | 10.37% | 0.86% | 0.51% | 97.1% |
| Q2 2024 | 68 | $162.4M | 10.54% | 0.34% | 0.84% | 96.4% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Johnsonville TVA Employees Credit UnionCredit union Camden, TN | 92 out of 100, Very strong | $180.7M | 16.4% | 0.73% | vs |
| Appalachian Community Federal Credit UnionCredit union Kingsport, TN | 70 out of 100, Strong | $182.8M | 11.0% | 0.26% | vs |
| Kimberly Clark Credit UnionCredit union Memphis, TN | 75 out of 100, Strong | $144.7M | 22.3% | 1.33% | vs |
| Employee Resources Credit UnionCredit union Lawrenceburg, TN | 62 out of 100, Moderate | $185.5M | 9.5% | 0.58% | vs |
| Trust Federal Credit UnionCredit union Chattanooga, TN | 44 out of 100, Below average | $141.8M | 11.7% | 3.41% | vs |
| Upper Cumberland Federal Credit UnionCredit union Crossville, TN | 72 out of 100, Strong | $140.5M | 9.9% | 0.20% | vs |
Deposit insurance
Is my money safe at Scenic Community Credit Union?
Yes. Scenic Community Credit Union is a federally insured credit union (NCUA charter #67747). 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 4.2% of shares and deposits ($6.2M) 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 9.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Scenic Community Credit Union lists 4 offices in 3 cities. Most locations:
- Chattanooga, TN (2)
- Hixson, TN (1)
- Soddy Daisy, TN (1)
Identity & history
Profile
- Legal name
- Scenic Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67747
- RSSD ID
- 514495
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 4503 Hixson Pike, Hixson, TN 37343
- Employees
- 53
Quick answers
Scenic Community Credit Union: common questions
Is Scenic Community Credit Union NCUA insured?
Yes. Scenic Community Credit Union is a federally insured credit union (NCUA charter #67747). 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 Scenic Community Credit Union's TellerScore?
47 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.
How many branches does Scenic Community Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hixson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bcbst Employees Credit UnionCredit union Chattanooga, TN | 90 out of 100, Very strong | $8.3M | 25.6% | 0.11% | vs |
| Healthcare Services Credit UnionCredit union Chattanooga, TN | 87 out of 100, Very strong | $26.1M | 15.0% | 0.03% | vs |
| Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN | 85 out of 100, Very strong | $76.0M | 16.9% | 0.39% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| Cleveland-Bradley Cty Teacher Federal Credit UnionCredit union Cleveland, TN | 82 out of 100, Strong | $74.1M | 12.9% | 0.51% | vs |
| B. M. H. Federal Credit UnionCredit union Cleveland, TN | 79 out of 100, Strong | $3.7M | 21.2% | 0.94% | vs |