State credit union · LAWRENCEBURG, Tennessee · NCUA charter #67789
Employee Resources
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $184.7M
- Total assets
- 24,596
- Members
- 9.3%
- Net-worth ratio
Employee Resources scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.7M; members 24,596; net-worth ratio 9.30%; health rank #422 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#422 of 4,374 health · 2025Q4Employee Resources · health 95/100 · $184.7M · 2025Q4
- MEM 95/100
- RANK 9.3%
- PHOTO 0.85%
- BOOK 0.56%
- CHARTER $184.7M
- NCUSIF 24,596
- CAMELS #422/4,374
- HEALTH First Trust
- NW 67789
Call Report peers
Employee Resources in the assets neighbourhood
Employee Resources's $184.7M assets sit next to First Trust ($184.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Employee Resources vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Employee Resources - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67789 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Employee Resources: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +8.57 pp (80.77% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.30% vs peer 12.11% (-2.81 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for Employee Resources
- Tennessee health ordinal: #14 of 127.
- Assets rank #29 of 127 inside Tennessee ($184.7M reported).
- Membership ranks #20 of 127 among Tennessee CUs with a reported count (24,596 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Employee Resources's 5300 filing moved
Employee Resources: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $184.7M (2025Q4) to $184.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.23% → 9.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.30% | -2.81 pp |
| Delinquency Rate | 0.85% | -0.04 pp |
| Return on Assets | 0.56% | -0.06 pp |
| Member Growth | 5.85% | - |
| Loan-to-Share Ratio | 80.77% | +8.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Employee Resources
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $184.8M | - |
| 2025Q4 | $184.7M | 24,596 |
| 2024Q4 | $177.6M | 23,237 |
| 2023Q4 | $147.2M | 22,329 |
Credit Union Details
- Charter Number
- 67789
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- LAWRENCEBURG
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Employee Resources, spread across 5 cities.
| Office | City |
|---|---|
| Lawrenceburg Main Office (Main Office) | Lawrenceburg, TN |
| Adamsville Branch | Adamsville, TN |
| Lawrenceburg | Lawrenceburg, TN |
| Lexington Branch | Lexington, TN |
| Pulaski Branch | Pulaski, TN |
| WAYNESBORO BRANCH OFFICE | WAYNESBORO, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Employee Resources nationwide neighbourhoods
Employee Resources's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Employee Resources ranks #422 of 4,374 nationally on financial health and #14 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northeast Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northeast Community
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Employee Resources financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Employee Resources carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #422 of 4,374; by total assets it ranks #1,333 of 4,374 nationally (same basis as /rankings/largest); and #29 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.30% net worth ratio and a 0.85% delinquency rate.
How does Employee Resources compare to other credit unions?
On PlainCU's health composite, Employee Resources lands at 95/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Employee Resources?
Membership eligibility for Employee Resources depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Employee Resources directly for current membership requirements and application steps.
Is my money safe at Employee Resources?
Federal credit unions like Employee Resources are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Employee Resources's net worth ratio of 9.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Employee Resources offer compared to banks?
Credit unions like Employee Resources are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Employee Resources directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.