TellerScore

Headquartered in Nashville, Tennessee, Your Best Credit Union is a federally insured state-chartered credit union with $16.0M in total assets and $13.5M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1967.

Based on its Q2 2026 filing, Your Best Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 81st. Its strongest component is capital cushion (100/100; 15.24%), and its lowest is earnings (0/100; -0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.24%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings0/100
Return on assets (annualized): -0.51%
Funding & liquidity71/100
Loans ÷ shares: 89.7% · 14.6% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.93%

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 fell 10 points (80 → 70), mostly because the earnings component weakened by 43 points.

TellerScore
697580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202475
Q4 202476
Q1 202578
Q2 202580
Q3 202578
Q4 202579
Q1 202673
Q2 202670
Net worth ratio
7.00%11.29%15.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.82%
Q3 202414.39%
Q4 202414.20%
Q1 202513.93%
Q2 202514.31%
Q3 202515.28%
Q4 202515.57%
Q1 202614.75%
Q2 202615.24%
Delinquent loans (60+ days)
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.00%
Q4 20240.00%
Q1 20250.04%
Q2 20250.00%
Q3 20250.03%
Q4 20250.00%
Q1 20260.00%
Q2 20260.32%
Return on assets
-1.72%-0.57%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.46%
Q3 2024-0.03%
Q4 20240.22%
Q1 20250.56%
Q2 20250.57%
Q3 20250.03%
Q4 20250.14%
Q1 2026-1.72%
Q2 2026-0.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$16.0M15.24%0.32%-0.51%89.7%
Q1 202673$16.3M14.75%0.00%-1.72%88.3%
Q4 202579$15.9M15.57%0.00%0.14%95.5%
Q3 202578$16.1M15.28%0.03%0.03%92.5%
Q2 202580$17.5M14.31%0.00%0.57%82.7%
Q1 202578$17.8M13.93%0.04%0.56%84.3%
Q4 202476$17.3M14.20%0.00%0.22%89.1%
Q3 202475$16.9M14.39%0.00%-0.03%91.1%
Q2 202469$17.2M13.82%0.13%-0.46%91.1%

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 ratio15.24%
56th
Problem loans0.32%
67th
Net charge-offs1.46%
9th
Return on assets-0.51%
11th
Loans to deposits89.7%
10th
Uninsured deposits14.6%
3rd
Loan-loss reserves0.00%
37th
Texas ratio13.9%
8th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee River Federal Credit UnionCredit union Counce, TN89 out of 100, Very strong$16.3M33.2%0.25%vs
Gateway Credit UnionCredit union Clarksville, TN60 out of 100, Moderate$16.3M8.4%0.70%vs
Skyline Credit UnionCredit union Nashville, TN68 out of 100, Moderate$16.8M24.3%2.95%vs
Enlighten Federal Credit UnionCredit union Jackson, TN85 out of 100, Very strong$16.8M14.3%0.69%vs
Parthenon Federal Credit UnionCredit union Nashville, TN42 out of 100, Below average$17.1M16.1%6.04%vs
Memphis Municipal Employees Federal Credit UnionCredit union Memphis, TN65 out of 100, Moderate$14.6M20.3%2.10%vs

Deposit insurance

Is my money safe at Your Best Credit Union?

Yes. Your Best Credit Union is a federally insured credit union (NCUA charter #67757). 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 14.6% 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 15.24%, well 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

Your Best Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Your Best Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67757
RSSD ID
188597
Primary regulator
State + NCUA
Established
1967
Headquarters
26 Century Blvd, Ste 3, Nashville, TN 37214
Employees
4

Quick answers

Your Best Credit Union: common questions

Is Your Best Credit Union NCUA insured?

Yes. Your Best Credit Union is a federally insured credit union (NCUA charter #67757). 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 Your Best Credit Union's TellerScore?

70 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 Your Best Credit Union have?

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

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
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