Aub Employees Credit Union Athens, Tennessee
Aub Employees Credit Union is a state-chartered credit union headquartered in Athens, TN (NCUA charter 68161), and it is regulated and insured by the NCUA. At Q2 2026 it reported 214 members and total assets of $1.4M (down 6.9% from Q2 2025), the 120th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 25.21% at Q2 2026, in the well capitalized band.
Also written as Aub Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68161
- Headquarters
- Athens, TN
- Established
- Not reported
- Total assets, Q2 2026
- $1.4M
- Assets vs Q2 2025
- -6.9%
- Members, Q2 2026
- 214
- Net worth ratio, Q2 2026
- 25.21%
- Latest call report
- Q2 2026, NCUA 5300 · Aub Employees Credit Union call report
- Asset rank in state
- 120th of 123 in Tennessee
- Routing number
- 264278322
- Branches
- 1
It has 1 more member than on June 30, 2025 (+0.5%). Its net worth ratio was down 7.29 percentage points from 32.50% on June 30, 2025. Used vehicle loans are its largest loan category, $566K of $1.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.45% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 25.21% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about Aub Employees Credit Union
How big is Aub Employees Credit Union?
At Q2 2026 it reported total assets of $1.4M and 214 members.
Where is Aub Employees Credit Union headquartered?
It is headquartered in Athens, TN, United States.
Is Aub Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68161): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Aub Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Aub Employees Credit Union well capitalized?
Its net worth ratio was 25.21% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Aub Employees Credit Union's delinquency ratio?
Its delinquency ratio was 8.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Aub Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 113.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Athens, TN 37303
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 68161
- RSSD ID
- 642099
- Members
- 214
- Potential members
- 275
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 25.21% | 14.31% | 89th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -5.64% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -22.36% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.09% | 3.93% | 57th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 72.59% | 79.83% | 65th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.49% | 0.78% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 8.45% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.59% | 4.70% | 80th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 113.17% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.4M total assets against $1.5M; $1.1M total shares and deposits against $1.0M; $1.2M total loans against $1.2M.
$363K net worth against $503K.
25.21% net worth ratio against 32.50%.
113.17% loan-to-share ratio against 120.92%.
8.45% delinquency ratio against 1.66%.
-5.64% return on assets against 0.38%; -22.36% return on equity against 1.18%.
4.09% net interest margin against 3.52%.
214 members against 213.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 25.21% | -5.64% | 8.45% | 113.17% |
| March 31, 2026 | 27.06% | -4.36% | 1.72% | 117.10% |
| December 31, 2025 | 26.90% | -1.18% | 2.67% | 115.35% |
| September 30, 2025 | 27.64% | 0.77% | 3.23% | 118.61% |
| June 30, 2025 | 32.50% | 0.38% | 1.66% | 120.92% |
| March 31, 2025 | 31.29% | 0.67% | 1.48% | 122.65% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.