Credit Union Safety Analysis
Is Holley Credit Union Safe? Paris, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Holley Credit Union has a net worth ratio of 13.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.51%, 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, Holley Credit Union's net worth ratio is 13.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.85%
- Delinquency ratio (60+ days) (Q2 2026): 0.51%
- Return on assets (Q2 2026): 1.55%
- Loan-to-share ratio (Q2 2026): 87.47%
Holley Credit Union (NCUA charter 68073, established 1952) reported $105.3M in assets and 9,464 members for Q2 2026 from Paris, Tennessee. It ranks 41 of 123 credit unions in Tennessee by total assets. Total assets grew 8.1% from $97.4M on June 30, 2025. It has 693 more members than on June 30, 2025 (+7.9%). Its net worth ratio was up 0.59 percentage points from 13.26% on June 30, 2025. Used vehicle loans are its largest loan category, $55.1M of $78.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.89% for Q1 2026; 13.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.52% for Q1 2026; 0.56% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.69% for Q1 2026; 1.62% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.13% for Q1 2026; 88.64% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $55.1M
- New vehicle loans: $13.1M
- Other secured non-real estate loans and lines of credit: $4.3M
- 1- to 4-family residential and other consumer real estate loans: $2.9M
- Other unsecured loans and lines of credit: $2.5M
- Unsecured credit card loans: $177K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $105.3M | 13.85% | 0.51% | 1.55% | 87.47% |
| March 31, 2026 | $102.0M | 13.89% | 0.52% | 1.69% | 89.13% |
| December 31, 2025 | $99.9M | 13.76% | 0.68% | 1.39% | 89.50% |
| September 30, 2025 | $97.8M | 13.69% | 0.75% | 1.96% | 90.92% |
| June 30, 2025 | $97.4M | 13.26% | 0.56% | 1.62% | 88.64% |
| March 31, 2025 | $95.9M | 13.06% | 0.52% | 1.38% | 84.12% |
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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.
Regulator records: NCUA credit union profile (charter 68073) · FFIEC NIC profile (RSSD 519799)
Frequently asked questions
Is Holley Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Holley Credit Union's net worth ratio is 13.85%, above the 7% NCUA threshold for well capitalized.
Is Holley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Holley Credit Union is a federally insured credit union (NCUA charter 68073): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Holley Credit Union's key safety ratios?
For Q2 2026, Holley Credit Union reports net worth 13.85%, delinquency 0.51%, ROA 1.55%, loan-to-share 87.47%.
What happens to my money if Holley Credit Union fails?
For Q2 2026, Holley Credit Union held $89.2M in shares and deposits for 9,464 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.