Church of God Credit Union Cleveland, Tennessee
Church of God Credit Union is a state-chartered credit union headquartered in Cleveland, TN, established in 1979 (NCUA charter 68124), and it is regulated and insured by the NCUA. At Q2 2026 it reported 970 members and total assets of $6.7M (down 3.4% from Q2 2025), the 108th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 7.28% at Q2 2026, in the well capitalized band.
Also written as Church of God 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
- 68124
- Headquarters
- Cleveland, TN
- Established
- 1979
- Total assets, Q2 2026
- $6.7M
- Assets vs Q2 2025
- -3.4%
- Members, Q2 2026
- 970
- Net worth ratio, Q2 2026
- 7.28%
- Latest call report
- Q2 2026, NCUA 5300 · Church of God Credit Union call report
- Asset rank in state
- 108th of 123 in Tennessee
- Routing number
- 264278597
- Branches
- 2
It has 11 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.08 percentage points from 7.20% on June 30, 2025. Used vehicle loans are its largest loan category, $2.3M of $5.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.00% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 7.28% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about Church of God Credit Union
How big is Church of God Credit Union?
At Q2 2026 it reported total assets of $6.7M and 970 members.
Where is Church of God Credit Union headquartered?
It is headquartered in Cleveland, TN, United States.
When was Church of God Credit Union founded?
It was established in 1979, per NCUA records.
Is Church of God Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68124): 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 Church of God 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 Church of God Credit Union well capitalized?
Its net worth ratio was 7.28% 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 Church of God Credit Union's delinquency ratio?
Its delinquency ratio was 0.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Church of God Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cleveland, TN 37311
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 68124
- RSSD ID
- 705891
- Members
- 970
- Potential members
- 5,000
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% | 7.28% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.14% | 0.72% | 25th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.90% | 4.74% | 31st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.27% | 3.93% | 64th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 99.91% | 79.83% | 15th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.07% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.00% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.33% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 87.20% | 58.92% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.7M total assets against $6.9M; $6.2M total shares and deposits against $6.5M; $5.4M total loans against $5.6M.
$485K net worth against $496K.
7.28% net worth ratio against 7.20%.
87.20% loan-to-share ratio against 86.91%.
0.00% delinquency ratio against 0.02%.
0.14% return on assets against -0.14%; 1.90% return on equity against -1.97%.
4.27% net interest margin against 3.40%.
970 members against 959.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.28% | 0.14% | 0.00% | 87.20% |
| March 31, 2026 | 6.97% | -0.63% | 0.26% | 91.11% |
| December 31, 2025 | 7.29% | 0.54% | 0.12% | 87.89% |
| September 30, 2025 | 7.35% | 0.55% | 0.02% | 88.18% |
| June 30, 2025 | 7.20% | -0.14% | 0.02% | 86.91% |
| March 31, 2025 | 7.27% | 0.52% | 0.22% | 88.99% |
Scroll sideways to see every column.
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.