Credit Union Safety Analysis
Is CN/Ic Employees Credit Union Safe? Memphis, Tennessee
Based on its Q2 2026 NCUA 5300 call report, CN/Ic Employees Credit Union has a net worth ratio of 13.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.04%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, CN/Ic Employees Credit Union's net worth ratio is 13.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.62%
- Delinquency ratio (60+ days) (Q2 2026): 1.04%
- Return on assets (Q2 2026): -1.60%
- Loan-to-share ratio (Q2 2026): 82.66%
CN/Ic Employees Credit Union (NCUA charter 68069, established 1932) reported $10.4M in assets and 1,214 members for Q2 2026 from Memphis, Tennessee. It ranks 105 of 123 credit unions in Tennessee by total assets. Total assets grew 1.6% from $10.2M on June 30, 2025. It has 7 more members than on June 30, 2025 (+0.6%). Its net worth ratio was down 1.45 percentage points from 15.07% on June 30, 2025. Used vehicle loans are its largest loan category, $4.0M of $7.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.04% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.99% for Q1 2026; 15.07% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.70% for Q1 2026; 1.01% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.04% for Q1 2026; -0.49% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 81.67% for Q1 2026; 82.78% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.0M
- New vehicle loans: $1.7M
- Other unsecured loans and lines of credit: $769K
- Other secured non-real estate loans and lines of credit: $562K
- Unsecured credit card loans: $221K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.4M | 13.62% | 1.04% | -1.60% | 82.66% |
| March 31, 2026 | $10.4M | 13.99% | 2.70% | -0.04% | 81.67% |
| December 31, 2025 | $10.3M | 14.15% | 1.64% | -0.82% | 81.81% |
| September 30, 2025 | $10.2M | 14.66% | 2.37% | -1.76% | 85.43% |
| June 30, 2025 | $10.2M | 15.07% | 1.01% | -0.49% | 82.78% |
| March 31, 2025 | $10.2M | 15.20% | 1.87% | 0.73% | 82.37% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
CN/Ic Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 68069) · FFIEC NIC profile (RSSD 357898)
Frequently asked questions
Is CN/Ic Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, CN/Ic Employees Credit Union's net worth ratio is 13.62%, above the 7% NCUA threshold for well capitalized.
Is CN/Ic Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. CN/Ic Employees Credit Union is a federally insured credit union (NCUA charter 68069): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are CN/Ic Employees Credit Union's key safety ratios?
For Q2 2026, CN/Ic Employees Credit Union reports net worth 13.62%, delinquency 1.04%, ROA -1.60%, loan-to-share 82.66%.
What happens to my money if CN/Ic Employees Credit Union fails?
For Q2 2026, CN/Ic Employees Credit Union held $8.8M in shares and deposits for 1,214 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.