TellerScore

Ten Credit Union is a federally insured state-chartered credit union headquartered in Nashville, Tennessee, in business for about 76 years. At the end of Q2 2026 it reported $392.0M in total assets and $337.2M in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, Ten Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 100th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is earnings (26/100; 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.63%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity90/100
Loans ÷ shares: 70.2% · 6.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.69%

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 (61 → 62).

TellerScore
525863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202454
Q4 202460
Q1 202561
Q2 202561
Q3 202560
Q4 202563
Q1 202663
Q2 202662
Net worth ratio
7.00%7.82%8.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.28%
Q3 20247.46%
Q4 20248.04%
Q1 20258.11%
Q2 20258.15%
Q3 20258.35%
Q4 20258.39%
Q1 20268.53%
Q2 20268.63%
Delinquent loans (60+ days)
0.14%0.30%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.43%
Q4 20240.38%
Q1 20250.16%
Q2 20250.27%
Q3 20250.46%
Q4 20250.24%
Q1 20260.14%
Q2 20260.21%
Return on assets
-0.44%-0.07%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.44%
Q3 2024-0.27%
Q4 20240.26%
Q1 20250.06%
Q2 20250.11%
Q3 20250.19%
Q4 20250.30%
Q1 20260.12%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$392.0M8.63%0.21%0.15%70.2%
Q1 202663$394.4M8.53%0.14%0.12%69.6%
Q4 202563$399.4M8.39%0.24%0.30%69.5%
Q3 202560$395.3M8.35%0.46%0.19%71.1%
Q2 202561$400.8M8.15%0.27%0.11%67.3%
Q1 202561$401.0M8.11%0.16%0.06%65.6%
Q4 202460$403.5M8.04%0.38%0.26%67.2%
Q3 202454$411.9M7.46%0.43%-0.27%68.3%
Q2 202452$420.8M7.28%0.39%-0.44%71.0%

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).

Capital ratio8.63%
8th
Problem loans0.21%
89th
Net charge-offs0.27%
61st
Return on assets0.15%
9th
Loans to deposits70.2%
61st
Uninsured deposits6.5%
44th
Loan-loss reserves0.00%
50th
Texas ratio1.7%
80th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs
Old Hickory Credit UnionCredit union Nashville, TN65 out of 100, Moderate$347.3M10.5%1.17%vs
US Community Credit UnionCredit union Nashville, TN71 out of 100, Strong$345.7M11.5%0.70%vs
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs

Deposit insurance

Is my money safe at Ten Credit Union?

Yes. Ten Credit Union is a federally insured credit union (NCUA charter #66886). 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 6.5% of shares and deposits ($22.0M) 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 8.63%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Ten Credit Union lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ten Credit Union reported 87 home-loan applications under HMDA (LEI 549300YUZCW5UUIYIL79): 59 originated ($12,585,000 total), 9 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ten Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66886
RSSD ID
446699
Primary regulator
State + NCUA
Established
1950
Headquarters
1400 8th Avenue South, Nashville, TN 37203
Employees
79

Quick answers

Ten Credit Union: common questions

Is Ten Credit Union NCUA insured?

Yes. Ten Credit Union is a federally insured credit union (NCUA charter #66886). 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 Ten Credit Union's TellerScore?

62 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 Ten Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Nashville

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
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs