Wcg Employees Credit Union is a federally insured state-chartered credit union headquartered in Martin, Tennessee, in business for about 64 years. At the end of Q2 2026 it reported $1.0M in total assets and $797K in member shares and deposits, with 1 office.
Wcg Employees Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 22nd. Capital cushion contributes the most (100/100, 21.80%); earnings contributes the least (59/100, 0.97%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 89).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 88 |
| Q3 2025 | 88 |
| Q4 2025 | 88 |
| Q1 2026 | 91 |
| Q2 2026 | 89 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.78% |
| Q3 2024 | 19.80% |
| Q4 2024 | 20.46% |
| Q1 2025 | 20.78% |
| Q2 2025 | 21.69% |
| Q3 2025 | 21.31% |
| Q4 2025 | 21.51% |
| Q1 2026 | 21.52% |
| Q2 2026 | 21.80% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.84% |
| Q1 2026 | 1.03% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $1.0M | 21.80% | 0.00% | 0.97% | 76.4% |
| Q1 2026 | 91 | $1.0M | 21.52% | 0.00% | 1.03% | 68.4% |
| Q4 2025 | 88 | $1.0M | 21.51% | 0.00% | 0.84% | 77.1% |
| Q3 2025 | 88 | $1.0M | 21.31% | 0.00% | 0.88% | 78.2% |
| Q2 2025 | 88 | $992K | 21.69% | 0.00% | 0.82% | 78.2% |
| Q1 2025 | 88 | $1.0M | 20.78% | 0.00% | 0.73% | 72.2% |
| Q4 2024 | 89 | $1.0M | 20.46% | 0.00% | 0.89% | 76.6% |
| Q3 2024 | 89 | $1.1M | 19.80% | 0.00% | 0.93% | 72.9% |
| Q2 2024 | 89 | $1.0M | 19.78% | 0.00% | 0.96% | 77.5% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hardin County Hospital Employees Credit UnionCredit union Savannah, TN | 68 out of 100, Moderate | $1.0M | 8.7% | 0.00% | vs |
| A.U.B. Employees' Credit UnionCredit union Athens, TN | 43 out of 100, Below average | $1.4M | 25.2% | 8.45% | vs |
| Olivet Baptist Credit UnionCredit union Cordova, TN | 80 out of 100, Strong | $611K | 15.0% | 1.36% | vs |
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |
| Bulab Employees Federal Credit UnionCredit union Memphis, TN | 72 out of 100, Strong | $2.2M | 35.0% | 1.68% | vs |
| Metropolitan Teachers Credit UnionCredit union Nashville, TN | 48 out of 100, Below average | $2.5M | 13.4% | 6.02% | vs |
Deposit insurance
Is my money safe at Wcg Employees Credit Union?
Yes. Wcg Employees Credit Union is a federally insured credit union (NCUA charter #68153). 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 0.0% of shares and deposits ($0) 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 21.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Wcg Employees Credit Union lists 1 office in 1 city. Most locations:
- Martin, TN (1)
Identity & history
Profile
- Legal name
- Wcg Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68153
- RSSD ID
- 252292
- Primary regulator
- State + NCUA
- Established
- 1962
- Headquarters
- Po Box 284, Martin, TN 38237
- Employees
- 2
Quick answers
Wcg Employees Credit Union: common questions
Is Wcg Employees Credit Union NCUA insured?
Yes. Wcg Employees Credit Union is a federally insured credit union (NCUA charter #68153). 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 Wcg Employees Credit Union's TellerScore?
89 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 Wcg Employees Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Martin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |