Headquartered in Nashville, Tennessee, St. Thomas Credit Union is a federally insured state-chartered credit union with $38.3M in total assets and $33.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1959.
Based on its Q2 2026 filing, St. Thomas Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 105th. Its strongest component is problem-loan coverage (77/100; 11.7%), and its lowest is loan quality (38/100; 1.86%).
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 rose 14 points (45 → 59), mostly because the loan quality component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 45 |
| Q3 2025 | 45 |
| Q4 2025 | 47 |
| Q1 2026 | 54 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.79% |
| Q3 2024 | 10.64% |
| Q4 2024 | 10.87% |
| Q1 2025 | 10.96% |
| Q2 2025 | 11.20% |
| Q3 2025 | 11.49% |
| Q4 2025 | 11.87% |
| Q1 2026 | 11.97% |
| Q2 2026 | 12.26% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.25% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.18% |
| Q2 2025 | 3.64% |
| Q3 2025 | 4.30% |
| Q4 2025 | 3.15% |
| Q1 2026 | 2.59% |
| Q2 2026 | 1.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.18% |
| Q4 2024 | 1.04% |
| Q1 2025 | 0.96% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $38.3M | 12.26% | 1.86% | 0.58% | 88.0% |
| Q1 2026 | 54 | $38.3M | 11.97% | 2.59% | 0.87% | 85.5% |
| Q4 2025 | 47 | $38.0M | 11.87% | 3.15% | 0.63% | 85.1% |
| Q3 2025 | 45 | $38.8M | 11.49% | 4.30% | 0.68% | 83.5% |
| Q2 2025 | 45 | $39.1M | 11.20% | 3.64% | 0.60% | 81.6% |
| Q1 2025 | 65 | $39.8M | 10.96% | 1.18% | 0.96% | 80.8% |
| Q4 2024 | 63 | $39.2M | 10.87% | 1.47% | 1.04% | 81.3% |
| Q3 2024 | 63 | $39.6M | 10.64% | 1.47% | 1.18% | 82.9% |
| Q2 2024 | 55 | $37.9M | 10.79% | 2.25% | 1.20% | 84.4% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Knoxville Law Enforcement Federal Credit UnionCredit union Knoxville, TN | 84 out of 100, Strong | $39.1M | 13.8% | 0.50% | vs |
| Nashville Firemen'S Credit UnionCredit union Nashville, TN | 72 out of 100, Strong | $39.2M | 18.2% | 1.19% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |
| Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN | 98 out of 100, Very strong | $36.6M | 20.2% | 0.08% | vs |
| M.P.D. Community Credit UnionCredit union Nashville, TN | 71 out of 100, Strong | $41.0M | 11.3% | 0.79% | vs |
| Outreach Federal Credit UnionCredit union Hermitage, TN | 70 out of 100, Strong | $35.3M | 11.0% | 0.50% | vs |
Deposit insurance
Is my money safe at St. Thomas Credit Union?
Yes. St. Thomas Credit Union is a federally insured credit union (NCUA charter #68071). 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 8.0% of shares and deposits ($2.7M) 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 12.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
St. Thomas Credit Union lists 1 office in 1 city. Most locations:
- Nashville, TN (1)
Identity & history
Profile
- Legal name
- St. Thomas Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68071
- RSSD ID
- 507291
- Primary regulator
- State + NCUA
- Established
- 1959
- Headquarters
- 4230 Harding Pike Ste 103, Nashville, TN 37205
- Employees
- 10
Quick answers
St. Thomas Credit Union: common questions
Is St. Thomas Credit Union NCUA insured?
Yes. St. Thomas Credit Union is a federally insured credit union (NCUA charter #68071). 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 St. Thomas Credit Union's TellerScore?
59 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 St. Thomas Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Nashville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |