United Southeast Federal Credit Union Bristol, Tennessee
United Southeast Federal Credit Union is a federal credit union headquartered in Bristol, TN, established in 1941 (NCUA charter 4714), and it is regulated and insured by the NCUA. At Q2 2026 it reported 23,703 members and total assets of $256.0M (up 6.2% from Q2 2025), the 26th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 13.49% at Q2 2026, in the well capitalized band.
Also written as United Southeast FCU · Trade name filed with the NCUA: USFCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4714
- Headquarters
- Bristol, TN
- Established
- 1941
- Total assets, Q2 2026
- $256.0M
- Assets vs Q2 2025
- +6.2%
- Members, Q2 2026
- 23,703
- Net worth ratio, Q2 2026
- 13.49%
- Latest call report
- Q2 2026, NCUA 5300 · United Southeast Federal Credit Union call report
- Asset rank in state
- 26th of 123 in Tennessee
- Routing number
- 264278445
- Branches
- 6
It has 1,005 more members than on June 30, 2025 (+4.4%). Its net worth ratio was up 1.09 percentage points from 12.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $50.6M of $159.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.40% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.49% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Tennessee
Credit unions merged into United Southeast Federal Credit Union
Suncomp Employees Federal Credit Union (2025) · Mountain Empire Federal Credit Union (2024)
Frequently asked about United Southeast Federal Credit Union
How big is United Southeast Federal Credit Union?
At Q2 2026 it reported total assets of $256.0M and 23,703 members.
Where is United Southeast Federal Credit Union headquartered?
It is headquartered in Bristol, TN, United States.
When was United Southeast Federal Credit Union founded?
It was established in 1941, per NCUA records.
Is United Southeast Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4714): 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 United Southeast Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is United Southeast Federal Credit Union well capitalized?
Its net worth ratio was 13.49% 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 United Southeast Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.40% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Southeast Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.46% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bristol, TN 37620
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 4714
- RSSD ID
- 11471
- Members
- 23,703
- Potential members
- 581,614
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 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 13.58% | 13.49% | 11.43% | 74th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.46% | 0.81% | 27th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.42% | 7.02% | 22nd bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.81% | 3.70% | 57th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.36% | 76.55% | 70th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.34% | 1.24% | 42nd below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.40% | 0.68% | 74th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.15% | 4.92% | 63rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 72.46% | 75.66% | 44th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$256.0M total assets against $241.2M; $220.6M total shares and deposits against $210.5M; $159.8M total loans against $158.6M.
$34.5M net worth against $29.9M.
13.49% net worth ratio against 12.40%.
72.46% loan-to-share ratio against 75.35%.
0.40% delinquency ratio against 0.48%.
0.46% return on assets against 1.11%; 3.42% return on equity against 8.95%.
3.81% net interest margin against 3.57%.
23,703 members against 22,698.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.49% | 0.46% | 0.40% | 72.46% |
| March 31, 2026 | 13.41% | 0.63% | 0.26% | 71.69% |
| December 31, 2025 | 13.51% | 1.26% | 0.43% | 74.78% |
| September 30, 2025 | 12.52% | 0.72% | 0.47% | 77.17% |
| June 30, 2025 | 12.40% | 1.11% | 0.48% | 75.35% |
| March 31, 2025 | 12.35% | 0.53% | 0.22% | 73.49% |
Scroll sideways to see every column.
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.