Leaders Credit Union Jackson, Tennessee
Leaders Credit Union is a state-chartered credit union headquartered in Jackson, TN, established in 1957 (NCUA charter 61185), and it is regulated and insured by the NCUA. At Q2 2026 it reported 94,367 members and total assets of $1.41B (up 13.8% from Q2 2025), the 7th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 10.71% at Q2 2026, in the well capitalized band.
Also written as Leaders CU · Trade names filed with the NCUA: Leaders Mortgage Services, Leaders Investment Services and Leaders Business Services
BankRegReports is independent of Leaders Credit Union and never asks for online banking logins or passwords.
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
- 61185
- Headquarters
- Jackson, TN
- Established
- 1957
- Total assets, Q2 2026
- $1.41B
- Assets vs Q2 2025
- +13.8%
- Members, Q2 2026
- 94,367
- Net worth ratio, Q2 2026
- 10.71%
- Latest call report
- Q2 2026, NCUA 5300 · Leaders Credit Union call report
- Asset rank in state
- 7th of 123 in Tennessee
- Routing number
- 284383886
- Branches
- 11
It has 10,307 more members than on June 30, 2025 (+12.3%). Its net worth ratio was up 0.01 percentage points from 10.70% on June 30, 2025. Used vehicle loans are its largest loan category, $532.1M of $1.21B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.71% net worth ratio is below that band's 10.89% median.
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Frequently asked about Leaders Credit Union
How big is Leaders Credit Union?
At Q2 2026 it reported total assets of $1.41B and 94,367 members.
Where is Leaders Credit Union headquartered?
It is headquartered in Jackson, TN, United States.
When was Leaders Credit Union founded?
It was established in 1957, per NCUA records.
Is Leaders Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61185): 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 Leaders 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 Leaders Credit Union well capitalized?
Its net worth ratio was 10.71% 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 Leaders Credit Union's delinquency ratio?
Its delinquency ratio was 0.64% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Leaders Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 102.56% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jackson, TN 38305
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 61185
- RSSD ID
- 117391
- Members
- 94,367
- Potential members
- 225,836
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.71% | 10.89% | 46th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.64% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 15.35% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.44% | 3.45% | 50th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 62.26% | 70.59% | 77th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.57% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.64% | 0.68% | 55th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.02% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 102.56% | 88.03% | 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
$1.41B total assets against $1.23B; $1.18B total shares and deposits against $1.03B; $1.21B total loans against $1.07B.
$150.5M net worth against $132.1M.
10.71% net worth ratio against 10.70%.
102.56% loan-to-share ratio against 103.94%.
0.64% delinquency ratio against 0.51%.
1.64% return on assets against 1.76%; 15.35% return on equity against 16.42%.
3.44% net interest margin against 3.42%.
94,367 members against 84,060.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.71% | 1.64% | 0.64% | 102.56% |
| March 31, 2026 | 11.02% | 1.19% | 0.62% | 99.17% |
| December 31, 2025 | 10.92% | 1.28% | 0.79% | 99.11% |
| September 30, 2025 | 10.74% | 1.46% | 0.62% | 102.03% |
| June 30, 2025 | 10.70% | 1.76% | 0.51% | 103.94% |
| March 31, 2025 | 10.69% | 1.13% | 0.56% | 100.53% |
Scroll sideways to see every column.
Watch flags
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.