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
Call Report peers
Employee Resources in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Employee Resources sits in 95-99 with 391 others.
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: 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).
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).
- One place up in Tennessee, Copper Basin (#13) ties at 95/100; one place down, Ups Employees (#15) scores 94/100, 1 point lower.
How Employee Resources's 5300 filing moved
Employee Resources: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $184.7M (2025Q4) to $184.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.23% → 9.30%).
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
Employee Resources gives up 5 points in total. Delinquency Rate costs the most, 3.5 of its 25; Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Employee Resources financially healthy?
Employee Resources has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #422 of 4,374 nationally on health and #14 of 127 in Tennessee. Its net worth ratio is 9.30% and its delinquency rate 0.85%.
How does Employee Resources compare to other credit unions?
Employee Resources scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.77% vs 72.20%). Its widest shortfall is net worth ratio (9.30% vs 12.11%).
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?
Employee Resources is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.