Headquartered in Bristol, Tennessee, United Southeast Federal Credit Union is a federal credit union with $256.0M in total assets and $220.6M in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1941.
Based on its Q2 2026 filing, United Southeast Federal Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 51st. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (42/100; 0.55%).
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 2 points (76 → 78), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 76 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 78 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.05% |
| Q3 2024 | 12.30% |
| Q4 2024 | 12.39% |
| Q1 2025 | 12.35% |
| Q2 2025 | 12.40% |
| Q3 2025 | 12.52% |
| Q4 2025 | 13.51% |
| Q1 2026 | 13.41% |
| Q2 2026 | 13.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $256.0M | 13.49% | 0.40% | 0.55% | 72.5% |
| Q1 2026 | 80 | $256.0M | 13.41% | 0.26% | 0.63% | 71.7% |
| Q4 2025 | 80 | $251.0M | 13.51% | 0.43% | 0.88% | 74.8% |
| Q3 2025 | 76 | $242.5M | 12.52% | 0.47% | 0.78% | 77.2% |
| Q2 2025 | 76 | $241.2M | 12.40% | 0.48% | 0.82% | 75.3% |
| Q1 2025 | 77 | $238.9M | 12.35% | 0.22% | 0.53% | 73.5% |
| Q4 2024 | 72 | $235.6M | 12.39% | 0.80% | 0.67% | 74.6% |
| Q3 2024 | 73 | $232.4M | 12.30% | 0.56% | 0.60% | 75.9% |
| Q2 2024 | 73 | $233.1M | 12.05% | 0.39% | 0.41% | 75.2% |
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 |
|---|---|---|---|---|---|
| Knoxville Teachers Federal Credit UnionCredit union Knoxville, TN | 66 out of 100, Moderate | $259.3M | 10.6% | 0.56% | vs |
| Southern Security Federal Credit UnionCredit union Collierville, TN | 51 out of 100, Below average | $251.9M | 10.1% | 1.72% | vs |
| Bowater Employees Credit UnionCredit union Calhoun, TN | 75 out of 100, Strong | $302.6M | 10.8% | 0.74% | vs |
| Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN | 76 out of 100, Strong | $199.2M | 12.0% | 0.28% | vs |
| Northeast Community Credit UnionCredit union Elizabethton, TN | 78 out of 100, Strong | $194.2M | 16.8% | 1.64% | vs |
| Employee Resources Credit UnionCredit union Lawrenceburg, TN | 62 out of 100, Moderate | $185.5M | 9.5% | 0.58% | vs |
Deposit insurance
Is my money safe at United Southeast Federal Credit Union?
Yes. United Southeast Federal Credit Union is a federally insured credit union (NCUA charter #4714). 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 6.6% of shares and deposits ($14.7M) 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 13.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
United Southeast Federal Credit Union lists 5 offices in 5 cities across 2 states. Most locations:
- Abingdon, VA (1)
- Bristol, TN (1)
- Bristol, VA (1)
- Johnson City, TN (1)
- Lebanon, VA (1)
HMDA 2025
Mortgage lending
In 2025, United Southeast Federal Credit Union reported 32 home-loan applications under HMDA (LEI 549300ELHXETOZMAKX33): 25 originated ($4,345,000 total), 0 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- United Southeast Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4714
- RSSD ID
- 11471
- Primary regulator
- NCUA
- Established
- 1941
- Headquarters
- 1545 Bluff City Highway, Bristol, TN 37620
- Employees
- 55
Quick answers
United Southeast Federal Credit Union: common questions
Is United Southeast Federal Credit Union NCUA insured?
Yes. United Southeast Federal Credit Union is a federally insured credit union (NCUA charter #4714). 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 United Southeast Federal Credit Union's TellerScore?
78 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 United Southeast Federal Credit Union have?
5 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Bristol
| 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 |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Lee Bank and Trust CompanyBank Pennington Gap, VA | 82 out of 100, Strong | $257.3M | 14.1% | 1.37% | vs |
| Select Seven Federal Credit UnionCredit union Johnson City, TN | 81 out of 100, Strong | $62.4M | 13.7% | 0.18% | vs |