TellerScore

Veritas Federal Credit Union (NCUA charter #21354) is based in Smyrna, Tennessee. Its Q2 2026 call report shows $57.1M in total assets and $52.2M in member shares and deposits and 2 offices across 2 states.

Veritas Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 106th. Problem-loan coverage contributes the most (88/100, 5.8%); capital cushion contributes the least (30/100, 7.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 7.99%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity76/100
Loans ÷ shares: 84.0% · 3.8% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.78%

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 (55 → 57), mostly because the earnings component improved by 8 points.

TellerScore
515457Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202451
Q4 202453
Q1 202555
Q2 202555
Q3 202551
Q4 202555
Q1 202655
Q2 202657
Net worth ratio
7.00%7.55%8.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.89%
Q3 20248.07%
Q4 20248.10%
Q1 20257.76%
Q2 20257.64%
Q3 20257.86%
Q4 20257.80%
Q1 20267.64%
Q2 20267.99%
Delinquent loans (60+ days)
0.55%0.78%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.99%
Q4 20240.68%
Q1 20250.55%
Q2 20250.61%
Q3 20251.01%
Q4 20250.61%
Q1 20260.62%
Q2 20260.60%
Return on assets
0.20%0.34%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.21%
Q4 20240.20%
Q1 20250.27%
Q2 20250.27%
Q3 20250.32%
Q4 20250.32%
Q1 20260.35%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$57.1M7.99%0.60%0.48%84.0%
Q1 202655$58.6M7.64%0.62%0.35%81.4%
Q4 202555$56.9M7.80%0.61%0.32%83.0%
Q3 202551$55.8M7.86%1.01%0.32%84.5%
Q2 202555$56.6M7.64%0.61%0.27%81.6%
Q1 202555$55.2M7.76%0.55%0.27%84.6%
Q4 202453$52.4M8.10%0.68%0.20%89.1%
Q3 202451$52.3M8.07%0.99%0.21%87.7%
Q2 202452$53.2M7.89%0.82%0.20%84.9%

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 ratio7.99%
4th
Problem loans0.60%
54th
Net charge-offs1.12%
13th
Return on assets0.48%
41st
Loans to deposits84.0%
15th
Uninsured deposits3.8%
29th
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Jack Daniel Employees Credit UnionCredit union Lynchburg, TN74 out of 100, Strong$56.7M11.3%0.63%vs
Greater Experience Credit UnionCredit union Johnson City, TN64 out of 100, Moderate$56.4M14.0%1.47%vs
Healthnet Federal Credit UnionCredit union Cordova, TN78 out of 100, Strong$58.1M13.2%0.27%vs
Fedtrust Federal Credit UnionCredit union Memphis, TN56 out of 100, Moderate$55.3M7.2%0.52%vs
Resource Federal Credit UnionCredit union Jackson, TN71 out of 100, Strong$54.7M10.4%0.62%vs
Horizon Credit UnionCredit union Kingsport, TN76 out of 100, Strong$60.2M11.9%0.11%vs

Deposit insurance

Is my money safe at Veritas Federal Credit Union?

Yes. Veritas Federal Credit Union is a federally insured credit union (NCUA charter #21354). 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 3.8% of shares and deposits ($2.0M) 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 7.99%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Veritas Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Veritas Federal Credit Union
Type
Federal credit union
NCUA charter #
21354
RSSD ID
384885
Primary regulator
NCUA
Established
1973
Headquarters
Po Box 2659, Smyrna, TN 37167
Employees
20

Quick answers

Veritas Federal Credit Union: common questions

Is Veritas Federal Credit Union NCUA insured?

Yes. Veritas Federal Credit Union is a federally insured credit union (NCUA charter #21354). 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 Veritas Federal Credit Union's TellerScore?

57 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 Veritas Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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