TellerScore

US Community Credit Union (NCUA charter #67720) is based in Nashville, Tennessee. Its Q2 2026 call report shows $345.7M in total assets and $301.2M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, US Community Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 73rd. Its strongest component is problem-loan coverage (92/100; 4.2%), and its lowest is earnings (52/100; 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.52%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity81/100
Loans ÷ shares: 78.9% · 7.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.20%

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 (72 → 71).

TellerScore
677175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202467
Q1 202570
Q2 202572
Q3 202575
Q4 202570
Q1 202668
Q2 202671
Net worth ratio
7.00%9.26%11.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.52%
Q3 202411.31%
Q4 202411.32%
Q1 202511.27%
Q2 202511.47%
Q3 202511.45%
Q4 202511.47%
Q1 202611.19%
Q2 202611.52%
Delinquent loans (60+ days)
0.22%0.49%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.56%
Q4 20240.77%
Q1 20250.33%
Q2 20250.35%
Q3 20250.22%
Q4 20250.74%
Q1 20260.67%
Q2 20260.70%
Return on assets
0.41%0.61%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.41%
Q4 20240.55%
Q1 20250.41%
Q2 20250.64%
Q3 20250.81%
Q4 20250.82%
Q1 20260.57%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$345.7M11.52%0.70%0.79%78.9%
Q1 202668$348.2M11.19%0.67%0.57%78.5%
Q4 202570$335.4M11.47%0.74%0.82%81.4%
Q3 202575$333.0M11.45%0.22%0.81%81.1%
Q2 202572$323.9M11.47%0.35%0.64%80.7%
Q1 202570$323.4M11.27%0.33%0.41%80.1%
Q4 202467$319.0M11.32%0.77%0.55%80.8%
Q3 202468$315.7M11.31%0.56%0.41%81.4%
Q2 202468$307.3M11.52%0.60%0.43%81.8%

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 ratio11.52%
51st
Problem loans0.70%
49th
Net charge-offs0.57%
29th
Return on assets0.79%
53rd
Loans to deposits78.9%
43rd
Uninsured deposits7.2%
37th
Loan-loss reserves0.00%
50th
Texas ratio4.2%
48th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Old Hickory Credit UnionCredit union Nashville, TN65 out of 100, Moderate$347.3M10.5%1.17%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Bowater Employees Credit UnionCredit union Calhoun, TN75 out of 100, Strong$302.6M10.8%0.74%vs
Ten Credit UnionCredit union Nashville, TN62 out of 100, Moderate$392.0M8.6%0.21%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

Deposit insurance

Is my money safe at US Community Credit Union?

Yes. US Community Credit Union is a federally insured credit union (NCUA charter #67720). 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 7.2% of shares and deposits ($21.8M) 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 11.52%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

US Community Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
US Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67720
RSSD ID
510693
Primary regulator
State + NCUA
Established
1968
Headquarters
PO Box 140570, Nashville, TN 37214
Employees
88

Quick answers

US Community Credit Union: common questions

Is US Community Credit Union NCUA insured?

Yes. US Community Credit Union is a federally insured credit union (NCUA charter #67720). 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 US Community Credit Union's TellerScore?

71 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 US Community Credit Union have?

4 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