TellerScore

Tayco Employees Federal Credit Union is a federal credit union headquartered in South Shore, Kentucky, in business for about 71 years. At the end of Q2 2026 it reported $1.9M in total assets and $830K in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Tayco Employees Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 46th. Its strongest component is capital cushion (100/100; 55.81%), and its lowest is earnings (0/100; -1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 55.81%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 13.33%
Earnings0/100
Return on assets (annualized): -1.04%
Funding & liquidity100/100
Loans ÷ shares: 57.5% · 0.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.06%

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 21 points (75 → 54), mostly because the loan quality component weakened by 82 points.

TellerScore
546983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202483
Q1 202574
Q2 202575
Q3 202581
Q4 202561
Q1 202665
Q2 202654
Net worth ratio
7.00%31.41%55.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202445.40%
Q3 202448.75%
Q4 202450.33%
Q1 202549.06%
Q2 202549.61%
Q3 202550.44%
Q4 202551.91%
Q1 202651.89%
Q2 202655.81%
Delinquent loans (60+ days)
0.39%6.86%13.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.44%
Q3 20242.13%
Q4 20241.16%
Q1 20255.16%
Q2 20250.53%
Q3 20250.39%
Q4 202511.18%
Q1 20265.47%
Q2 202613.33%
Return on assets
-1.04%1.52%4.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20240.77%
Q4 20241.14%
Q1 20254.08%
Q2 2025-0.65%
Q3 20250.07%
Q4 20250.37%
Q1 20260.78%
Q2 2026-1.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$1.9M55.81%13.33%-1.04%57.5%
Q1 202665$2.0M51.89%5.47%0.78%51.0%
Q4 202561$2.0M51.91%11.18%0.37%56.6%
Q3 202581$2.1M50.44%0.39%0.07%56.0%
Q2 202575$2.1M49.61%0.53%-0.65%52.5%
Q1 202574$2.1M49.06%5.16%4.08%57.7%
Q4 202483$2.0M50.33%1.16%1.14%62.5%
Q3 202472$2.1M48.75%2.13%0.77%63.3%
Q2 202474$2.2M45.40%2.44%1.38%55.7%

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 ratio55.81%
99th
Problem loans13.33%
1st
Net charge-offs0.00%
77th
Return on assets-1.04%
7th
Loans to deposits57.5%
52nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio6.1%
24th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Young Community Federal Credit UnionCredit union Louisville, KY58 out of 100, Moderate$869K7.6%0.00%vs
Corning Glass Works Harrodsbg Federal Credit UnionCredit union Harrodsburg, KY73 out of 100, Strong$5.2M22.5%1.00%vs
Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY90 out of 100, Very strong$6.6M22.6%0.00%vs
Msd Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$7.8M12.3%0.00%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Regional Medical Ctr Hopkins Co Emp Federal Credit UnionCredit union Madisonville, KY87 out of 100, Very strong$9.3M13.9%0.25%vs

Deposit insurance

Is my money safe at Tayco Employees Federal Credit Union?

Yes. Tayco Employees Federal Credit Union is a federally insured credit union (NCUA charter #10177). 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 0.0% of shares and deposits ($0) 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 55.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Tayco Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • South Shore, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Tayco Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
10177
RSSD ID
812780
Primary regulator
NCUA
Established
1955
Headquarters
P.O. Box 762, South Shore, KY 41175
Employees
1

Quick answers

Tayco Employees Federal Credit Union: common questions

Is Tayco Employees Federal Credit Union NCUA insured?

Yes. Tayco Employees Federal Credit Union is a federally insured credit union (NCUA charter #10177). 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 Tayco Employees Federal Credit Union's TellerScore?

54 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 Tayco Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near South Shore

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs
The First National Bank of GraysonBank Grayson, KY79 out of 100, Strong$371.9M13.0%0.96%vs