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P.O. Box 3750
Johnson City, TN 37602

Johnson City Credit Union is headquartered in Johnson City and is the 54th largest credit union in the state of Tennessee. It is also the 2,456th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 20 employees and 7,613 members. Johnson City Credit Union has a B+ health rating.

Field of Membership Restrictions

If you live, work, worship, or attend school in Washington, Carter or Unicoi County, Tennessee, or have a family member who is already a member of JCFCU. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Johnson City Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Johnson City Credit Union had $170,000 in non-current loans and owned real-estate with $5.94 million in equity and loan loss allowances on hand to cover it. This gives Johnson City Credit Union a Texas Ratio of 2.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Johnson City Credit Union experienced no significant changes from 0.92% as of March 31, 2013 to 2.86% as of March 31, 2014, resulting in a negative change of 209.85%. This indicates that the balance sheet and financial strength for Johnson City Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Johnson City Credit Union has increased its total deposits by $2.55 million, resulting in 7.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Johnson City Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Johnson City Credit Union has $44.15 million in assets with $5.94 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

Institution Statistics

NCUA #6079
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$44.15 million
Loans$33.29 million
Deposits$38.14 million
Equity Capital$5.47 million
Loan Loss Allowance$469,000
Unbacked Noncurrent Loans$170,000
Real Estate Owned$0
Historic Data - March 2013
Assets$41.36 million
Equity Capital$5.02 million
Loan Loss Allowance$717,000
Unbacked Noncurrent Loans$170,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.37%
Return on Assets0.63%
Return on Equity5.04%
Interest Income$511,000

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Johnson City Credit Union Savings Account Rates

0.45%$25k-Regular Share
0.45%$25k-Accumulation IRA
0.45%$25k-Accumulation Roth IRA
0.45%$25k-Accumulation Education IRA

Johnson City Credit Union Money Market Rates

0.45%$25k-Money Market Account

Johnson City Credit Union Checking Account Rates

0.25%$1k-Share Draft Account

Johnson City Credit Union CD Rates

1.75%$1k-60 Month CD
1.40%$1k-48 Month CD
1.20%$1k-36 Month CD
1.00%$1k-24 Month CD
0.65%$1k-12 Month CD
0.45%$1k-6 Month CD

Johnson City Credit Union IRA Rates

1.75%--60 Month Traditional IRA
1.20%--30 Month Traditional IRA
1.00%--18 Month Traditional IRA
0.65%--12 Month Traditional IRA
0.45%--6 Month Traditional IRA

Johnson City Credit Union Locations
Branch Office333 E Main StJohnson City, TN 37601
Branch Office716 W Market StJohnson City, TN 37604
Branch Office181 Marketplace DrJohnson City, TN 37604