Hardin County Hospital Employees Credit Union Savannah, Tennessee
Hardin County Hospital Employees Credit Union is a state-chartered credit union headquartered in Savannah, TN, established in 1964 (NCUA charter 68120), and it is regulated and insured by the NCUA. At Q2 2026 it reported 369 members and total assets of $1.0M (down 16.2% from Q2 2025), the 121st largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 8.67% at Q2 2026, in the well capitalized band.
Also written as Hardin County Hospital 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
- 68120
- Headquarters
- Savannah, TN
- Established
- 1964
- Total assets, Q2 2026
- $1.0M
- Assets vs Q2 2025
- -16.2%
- Members, Q2 2026
- 369
- Net worth ratio, Q2 2026
- 8.67%
- Latest call report
- Q2 2026, NCUA 5300 · Hardin County Hospital Employees Credit Union call report
- Asset rank in state
- 121st of 123 in Tennessee
- Routing number
- 284385444
- Branches
- 1
It has 69 more members than on June 30, 2025 (+23.0%). Its net worth ratio was up 2.03 percentage points from 6.64% on June 30, 2025. Used vehicle loans are its largest loan category, $203K of $517K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Tennessee
Frequently asked about Hardin County Hospital Employees Credit Union
How big is Hardin County Hospital Employees Credit Union?
At Q2 2026 it reported total assets of $1.0M and 369 members.
Where is Hardin County Hospital Employees Credit Union headquartered?
It is headquartered in Savannah, TN, United States.
When was Hardin County Hospital Employees Credit Union founded?
It was established in 1964, per NCUA records.
Is Hardin County Hospital Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68120): 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 Hardin County Hospital 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 Hardin County Hospital Employees Credit Union well capitalized?
Its net worth ratio was 8.67% 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 Hardin County Hospital Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Savannah, TN 38372
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 68120
- RSSD ID
- 139991
- Members
- 369
- Potential members
- 490
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 0 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 8.67% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.29% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.36% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.57% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.26% | 79.83% | 30th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.90% | 0.78% | 43rd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.47% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 55.13% | 58.92% | 44th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.0M total assets against $1.2M; $938K total shares and deposits against $1.1M; $517K total loans against $583K.
$90K net worth against $82K.
8.67% net worth ratio against 6.64%.
55.13% loan-to-share ratio against 51.01%.
0.29% return on assets against -0.70%; 3.36% return on equity against -10.48%.
2.57% net interest margin against 1.24%.
369 members against 300.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.67% | 0.29% | — | 55.13% |
| March 31, 2026 | 8.46% | 0.34% | — | 56.94% |
| December 31, 2025 | 9.03% | 1.28% | — | 65.59% |
| September 30, 2025 | 6.82% | 1.85% | — | 51.05% |
| June 30, 2025 | 6.64% | -0.70% | — | 51.01% |
| March 31, 2025 | 6.72% | -1.20% | — | 44.76% |
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.