Credit Union Safety Analysis
Is Northeast Community Credit Union Safe? Elizabethton, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Northeast Community Credit Union has a net worth ratio of 16.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.64%, 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, Northeast Community Credit Union's net worth ratio is 16.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.77%
- Delinquency ratio (60+ days) (Q2 2026): 1.64%
- Return on assets (Q2 2026): 1.10%
- Loan-to-share ratio (Q2 2026): 63.12%
Northeast Community Credit Union (NCUA charter 67021, established 1952) reported $194.2M in assets and 12,438 members for Q2 2026 from Elizabethton, Tennessee. It ranks 29 of 123 credit unions in Tennessee by total assets. Total assets grew 4.4% from $186.0M on June 30, 2025. It has 65 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 0.63 percentage points from 16.14% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $77.5M of $103.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.64% is above 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: 16.88% for Q1 2026; 16.14% 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: 1.42% for Q1 2026; 0.49% 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: 1.19% for Q1 2026; 1.19% 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: 63.26% for Q1 2026; 59.61% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $77.5M
- Used vehicle loans: $10.9M
- New vehicle loans: $9.3M
- Other secured non-real estate loans and lines of credit: $3.2M
- Commercial loans: $2.1M
- Other unsecured loans and lines of credit: $748K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $194.2M | 16.77% | 1.64% | 1.10% | 63.12% |
| March 31, 2026 | $188.7M | 16.88% | 1.42% | 1.19% | 63.26% |
| December 31, 2025 | $184.3M | 16.97% | 1.05% | 1.27% | 63.19% |
| September 30, 2025 | $184.4M | 16.65% | 0.51% | 1.49% | 62.93% |
| June 30, 2025 | $186.0M | 16.14% | 0.49% | 1.19% | 59.61% |
| March 31, 2025 | $186.5M | 15.80% | 0.51% | 1.13% | 57.07% |
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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.
Northeast Community Credit Union profile
Regulator records: NCUA credit union profile (charter 67021) · FFIEC NIC profile (RSSD 522593)
Frequently asked questions
Is Northeast Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Northeast Community Credit Union's net worth ratio is 16.77%, above the 7% NCUA threshold for well capitalized.
Is Northeast Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Northeast Community Credit Union is a federally insured credit union (NCUA charter 67021): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Northeast Community Credit Union's key safety ratios?
For Q2 2026, Northeast Community Credit Union reports net worth 16.77%, delinquency 1.64%, ROA 1.10%, loan-to-share 63.12%.
What happens to my money if Northeast Community Credit Union fails?
For Q2 2026, Northeast Community Credit Union held $164.5M in shares and deposits for 12,438 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.