TellerScore

Headquartered in Memphis, Tennessee, Ups Employees Credit Union is a federally insured state-chartered credit union with $44.9M in total assets and $33.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1980.

Ups Employees Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 16th. Capital cushion contributes the most (100/100, 23.95%); funding & liquidity contributes the least (70/100, 91% loans-to-deposits, 3% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.95%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings100/100
Return on assets (annualized): 2.46%
Funding & liquidity70/100
Loans ÷ shares: 90.6% · 2.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.61%

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 (91 → 90).

TellerScore
848892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202484
Q4 202485
Q1 202588
Q2 202591
Q3 202588
Q4 202592
Q1 202691
Q2 202690
Net worth ratio
7.00%15.51%24.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202420.69%
Q3 202422.36%
Q4 202422.65%
Q1 202522.51%
Q2 202522.86%
Q3 202523.48%
Q4 202523.59%
Q1 202624.01%
Q2 202623.95%
Delinquent loans (60+ days)
0.42%0.74%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.89%
Q3 20241.07%
Q4 20241.04%
Q1 20250.81%
Q2 20250.52%
Q3 20250.74%
Q4 20250.42%
Q1 20260.46%
Q2 20260.57%
Return on assets
2.12%2.35%2.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.12%
Q3 20242.28%
Q4 20242.26%
Q1 20252.30%
Q2 20252.31%
Q3 20252.36%
Q4 20252.36%
Q1 20262.57%
Q2 20262.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$44.9M23.95%0.57%2.46%90.6%
Q1 202691$43.7M24.01%0.46%2.57%90.8%
Q4 202592$43.2M23.59%0.42%2.36%90.3%
Q3 202588$42.5M23.48%0.74%2.36%94.0%
Q2 202591$42.5M22.86%0.52%2.31%91.8%
Q1 202588$42.0M22.51%0.81%2.30%95.3%
Q4 202485$40.7M22.65%1.04%2.26%98.2%
Q3 202484$40.4M22.36%1.07%2.28%100.8%
Q2 202487$42.5M20.69%0.89%2.12%95.4%

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).

Capital ratio23.95%
87th
Problem loans0.57%
55th
Net charge-offs0.10%
57th
Return on assets2.46%
97th
Loans to deposits90.6%
9th
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Lakeside Credit UnionCredit union New Johnsonvill, TN89 out of 100, Very strong$44.7M16.9%0.56%vs
Collegedale Credit UnionCredit union Collegedale, TN70 out of 100, Strong$44.6M9.6%0.32%vs
Methodist Healthcare Federal Credit UnionCredit union Cordova, TN82 out of 100, Strong$46.2M17.6%1.03%vs
Epb Employees Credit UnionCredit union Chattanooga, TN48 out of 100, Below average$43.3M11.6%8.72%vs
M.P.D. Community Credit UnionCredit union Nashville, TN71 out of 100, Strong$41.0M11.3%0.79%vs
First Choice Community Credit UnionCredit union Knoxville, TN85 out of 100, Very strong$48.9M16.4%1.02%vs

Deposit insurance

Is my money safe at Ups Employees Credit Union?

Yes. Ups Employees Credit Union is a federally insured credit union (NCUA charter #67608). 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 2.9% of shares and deposits ($964K) 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 23.95%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Ups Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67608
RSSD ID
80196
Primary regulator
State + NCUA
Established
1980
Headquarters
1814 E Brooks Rd, Memphis, TN 38116
Employees
9

Quick answers

Ups Employees Credit Union: common questions

Is Ups Employees Credit Union NCUA insured?

Yes. Ups Employees Credit Union is a federally insured credit union (NCUA charter #67608). 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 Ups Employees Credit Union's TellerScore?

90 out of 100 (Very 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 Ups Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
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
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs