TellerScore

Tennessee Employees Credit Union (NCUA charter #68101) is based in Nashville, Tennessee. Its Q2 2026 call report shows $31.0M in total assets and $24.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Tennessee Employees Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 44th. Its strongest component is capital cushion (100/100; 20.09%), and its lowest is earnings (46/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.09%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity100/100
Loans ÷ shares: 56.9% · 6.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.09%

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 (80 → 81).

TellerScore
677787Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202480
Q4 202470
Q1 202584
Q2 202580
Q3 202578
Q4 202579
Q1 202687
Q2 202681
Net worth ratio
7.00%13.66%20.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.00%
Q3 202418.90%
Q4 202419.39%
Q1 202519.48%
Q2 202519.75%
Q3 202519.98%
Q4 202520.31%
Q1 202620.28%
Q2 202620.09%
Delinquent loans (60+ days)
0.61%1.32%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.03%
Q3 20240.73%
Q4 20241.91%
Q1 20251.05%
Q2 20250.82%
Q3 20251.10%
Q4 20251.08%
Q1 20260.61%
Q2 20260.92%
Return on assets
0.18%0.68%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.31%
Q4 20240.35%
Q1 20251.19%
Q2 20250.44%
Q3 20250.50%
Q4 20250.55%
Q1 20261.01%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$31.0M20.09%0.92%0.66%56.9%
Q1 202687$30.6M20.28%0.61%1.01%57.1%
Q4 202579$30.1M20.31%1.08%0.55%59.7%
Q3 202578$30.4M19.98%1.10%0.50%60.4%
Q2 202580$30.5M19.75%0.82%0.44%59.3%
Q1 202584$31.1M19.48%1.05%1.19%58.4%
Q4 202470$30.7M19.39%1.91%0.35%57.0%
Q3 202480$31.3M18.90%0.73%0.31%56.5%
Q2 202467$30.9M19.00%2.03%0.18%58.0%

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 ratio20.09%
77th
Problem loans0.92%
42nd
Net charge-offs0.51%
26th
Return on assets0.66%
51st
Loans to deposits56.9%
53rd
Uninsured deposits6.5%
14th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Kemba Delta Federal Credit UnionCredit union Bartlett, TN73 out of 100, Strong$31.2M29.4%3.17%vs
Tennessee Military Federal Credit UnionCredit union Louisville, TN83 out of 100, Strong$31.5M13.1%0.97%vs
Patriot Equity Credit UnionCredit union Jackson, TN44 out of 100, Below average$33.0M10.8%2.92%vs
Beacon Financial Credit UnionCredit union Johnson City, TN44 out of 100, Below average$27.9M7.7%1.39%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Hiwassee River Credit UnionCredit union Charleston, TN74 out of 100, Strong$27.5M10.9%0.15%vs

Deposit insurance

Is my money safe at Tennessee Employees Credit Union?

Yes. Tennessee Employees Credit Union is a federally insured credit union (NCUA charter #68101). 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 ($1.6M) 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 20.09%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Tennessee Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68101
RSSD ID
474692
Primary regulator
State + NCUA
Established
1969
Headquarters
220 French Landing, Nashville, TN 37243
Employees
7

Quick answers

Tennessee Employees Credit Union: common questions

Is Tennessee Employees Credit Union NCUA insured?

Yes. Tennessee Employees Credit Union is a federally insured credit union (NCUA charter #68101). 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 Tennessee Employees Credit Union's TellerScore?

81 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 Tennessee Employees Credit Union have?

1 office as of the latest NCUA data.