Charter 67789 · Lawrenceburg, TN
Employee Resources Credit Union
Employee Resources Credit Union is a state-chartered credit union in Lawrenceburg, Tennessee, with $186 million in assets and 25,183 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.46%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $186 million
- +3.9% in a year
- Members
- 25,183
- +5.5% in a year
- Net worth ratio
- 9.46%
- Peer median 11.65%
- Loans 60+ days late
- 0.58%
- Peer median 0.70%
- Loans outstanding
- $149 million
- +10.7% in a year
- Shares and deposits
- $168 million
- +3.4% in a year
- Branches
- 6
- 60 employees
- Opened
- 1964
- Tennessee charter
How Employee Resources Credit Union compares
NCUA groups credit unions by size; Employee Resources Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.46% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.58%, is lower than the group median of 0.70%. Loans grew 10.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 30 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $186 million | 25,183 | $149 million | 9.46% | 0.58% |
| Q1 2026 | $185 million | 24,812 | $137 million | 9.30% | 0.51% |
| Q4 2025 | $185 million | 24,596 | $135 million | 9.23% | 0.85% |
| Q3 2025 | $180 million | 24,300 | $137 million | 9.31% | 0.82% |
| Q2 2025 | $179 million | 23,881 | $134 million | 9.21% | 1.00% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 40,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Employee Resources Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Lawrenceburg
1604 Remke Ave, Lawrenceburg, TN 38464 - Pulaski Branch
1700 W College St, Pulaski, TN 38478 - WAYNESBORO BRANCH OFFICE
321 Dexter L Woods Memorial Blvd Ste A, Waynesboro, TN 38485 - Lexington Branch
330 W Church St, Lexington, TN 38351 - Lawrenceburg Main Office (main office)
2135 N Locust Ave, Lawrenceburg, TN 38464 - Adamsville Branch
507 E Main St Ste C, Adamsville, TN 38310
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology