Overview / Commentary
931-766-9288
2135 N Locust Ave.
Lawrenceburg, TN 38464

Employee Resources Credit Union is headquartered in LAWRENCEBURG and is the 37th largest credit union in the state of Tennessee. It is also the 1,771st largest credit union in the nation. It was established in 1964 and as of September of 2018, it had grown to 37 employees and 15,892 members at 3 locations. Employee Resources Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Employees Resources Credit Union of Tennessee is open to the residents, church members, registered students, and people maintaining employment in these eligible counties: Lawrence, Giles, Wayne, and Henderson.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Employee Resources Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67789
Year Chartered1964
Employees37
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.61%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$84.8MM$86.5MM
LoansQ3 2018vs Q3 2017$61.9MM$64.2MM
DepositsQ3 2018vs Q3 2017$76.9MM$78.9MM
Equity CapitalQ3 2018vs Q3 2017$7.0MM$7.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.1MM$1.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$897.00K$1.3MM
Real Estate OwnedQ3 2018vs Q3 2017$0$65.00K
Rates
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Employee Resources Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Regular Share Account
0.30%--Christmas Club Account

Employee Resources Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.11%$5k-2 Year CD
2.01%$5k-18 Month CD
1.81%$5k-1 Year CD
1.26%$5k-182 Day CD
0.50%$500-90 Day Investment Account
Locations


Employee Resources Credit Union Locations
Branch Office1700 W College StPulaski, TN 38478-5213
Branch Office321 Dexter L Woods Memorial Blvd Ste AWAYNESBORO, TN 38485-2418
Branch Office330 W Church StLexington, TN 38351-2018

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