Credit Union Safety Analysis
Is Tnconnect Credit Union Safe? Knoxville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Tnconnect Credit Union has a net worth ratio of 7.43%, 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, Tnconnect Credit Union's net worth ratio is 7.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.43%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): 0.24%
- Loan-to-share ratio (Q2 2026): 72.85%
Tnconnect Credit Union (NCUA charter 67666) reported $90.6M in assets and 6,164 members for Q2 2026 from Knoxville, Tennessee. It ranks 47 of 123 credit unions in Tennessee by total assets. Total assets grew 8.7% from $83.3M on June 30, 2025. It has 248 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was down 0.28 percentage points from 7.71% on June 30, 2025. Used vehicle loans are its largest loan category, $23.9M of $61.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.52% for Q1 2026; 7.71% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.72% for Q1 2026; 1.67% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.13% for Q1 2026; 0.77% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 74.51% for Q1 2026; 86.15% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $23.9M
- New vehicle loans: $14.6M
- 1- to 4-family residential and other consumer real estate loans: $12.7M
- Other secured non-real estate loans and lines of credit: $7.2M
- Unsecured credit card loans: $1.3M
- Commercial loans: $1.0M
- Other unsecured loans and lines of credit: $542K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $90.6M | 7.43% | 0.64% | 0.24% | 72.85% |
| March 31, 2026 | $89.3M | 7.52% | 0.72% | 0.13% | 74.51% |
| December 31, 2025 | $86.0M | 7.63% | 0.95% | 0.43% | 79.05% |
| September 30, 2025 | $84.6M | 7.72% | 0.56% | 0.67% | 83.69% |
| June 30, 2025 | $83.3M | 7.71% | 1.67% | 0.77% | 86.15% |
| March 31, 2025 | $82.7M | 7.65% | 0.86% | 0.42% | 85.76% |
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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.
Tnconnect Credit Union profile
Regulator records: NCUA credit union profile (charter 67666) · FFIEC NIC profile (RSSD 274098)
Frequently asked questions
Is Tnconnect Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tnconnect Credit Union's net worth ratio is 7.43%, above the 7% NCUA threshold for well capitalized.
Is Tnconnect Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tnconnect Credit Union is a federally insured credit union (NCUA charter 67666): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tnconnect Credit Union's key safety ratios?
For Q2 2026, Tnconnect Credit Union reports net worth 7.43%, delinquency 0.64%, ROA 0.24%, loan-to-share 72.85%.
What happens to my money if Tnconnect Credit Union fails?
For Q2 2026, Tnconnect Credit Union held $84.2M in shares and deposits for 6,164 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.