Credit Union Safety Analysis
Is Leaders Credit Union Safe? Jackson, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Leaders Credit Union has a net worth ratio of 10.71%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.64%, 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, Leaders Credit Union's net worth ratio is 10.71%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.71%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): 1.64%
- Loan-to-share ratio (Q2 2026): 102.56%
Leaders Credit Union (NCUA charter 61185, established 1957) reported $1.41B in assets and 94,367 members for Q2 2026 from Jackson, Tennessee. It ranks 7 of 123 credit unions in Tennessee by total assets. Total assets grew 13.8% from $1.23B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.02% for Q1 2026; 10.70% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.62% for Q1 2026; 0.51% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.19% for Q1 2026; 1.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 99.17% for Q1 2026; 103.94% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $532.1M
- 1- to 4-family residential and other consumer real estate loans: $306.4M
- New vehicle loans: $206.5M
- Other secured non-real estate loans and lines of credit: $90.2M
- Unsecured credit card loans: $28.9M
- Other unsecured loans and lines of credit: $21.8M
- Commercial loans: $18.0M
- Non-federally guaranteed student loans: $4.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.41B | 10.71% | 0.64% | 1.64% | 102.56% |
| March 31, 2026 | $1.31B | 11.02% | 0.62% | 1.19% | 99.17% |
| December 31, 2025 | $1.29B | 10.92% | 0.79% | 1.28% | 99.11% |
| September 30, 2025 | $1.27B | 10.74% | 0.62% | 1.46% | 102.03% |
| June 30, 2025 | $1.23B | 10.70% | 0.51% | 1.76% | 103.94% |
| March 31, 2025 | $1.18B | 10.69% | 0.56% | 1.13% | 100.53% |
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Free to use. It shows Leaders Credit Union’s latest filed figures and updates each quarter.
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 61185) · FFIEC NIC profile (RSSD 117391)
Frequently asked questions
Is Leaders Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Leaders Credit Union's net worth ratio is 10.71%, above the 7% NCUA threshold for well capitalized.
Is Leaders Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Leaders Credit Union is a federally insured credit union (NCUA charter 61185): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Leaders Credit Union's key safety ratios?
For Q2 2026, Leaders Credit Union reports net worth 10.71%, delinquency 0.64%, ROA 1.64%, loan-to-share 102.56%.
What happens to my money if Leaders Credit Union fails?
For Q2 2026, Leaders Credit Union held $1.18B in shares and deposits for 94,367 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.