EMPLOYEE RESOURCES Credit Union Profile

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EMPLOYEE RESOURCES

Charter #67789 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (931) 766-9288

Fax: (931) 762-0583

Founding Date: N/A

Website: http://www.ercu.org

Personnel & Operations

President: Engelhardt, Vicki

Manager: Bowling, Konda

FT Employees: 54

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: 8:00 AM - 4:30 PM

Credit Union Profile Summary

EMPLOYEE RESOURCES is a FISCU Credit Union. With a total of 23,881 members [1], this institution manages approximately $178,615,481 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.21% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.87% [1].

Financial Snapshot

Total Assets [1]
$178,615,481

Total economic resources.

Total Loans [1]
$134,298,177

Total value of outstanding loans.

Total Deposits [1]
$162,111,364

Total funds deposited by members.

Members [1]
23,881

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.21%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.45%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.84%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 11.61%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 7.87%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 4.73%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2135 N LOCUST AVE

LAWRENCEBURG, TN, 38464-4455
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by EMPLOYEE RESOURCES (Charter #67789).

Additional Branches

Adamsville

Adamsville Branch

Type: Branch Office

105 N Oak St

Adamsville, TN 38310-1931

Phone: (731) 632-1168

Services: Member Services, ATM

Open in Directions

Lexington

Lexington Branch

Type: Branch Office

330 W Church St

Lexington, TN 38351-2018

Phone: (731) 968-8746

Services: Member Services, ATM, Drive-Thru

Open in Directions

Pulaski

Pulaski Branch

Type: Branch Office

1700 W College St

Pulaski, TN 38478-5213

Phone: (931) 363-9920

Services: Member Services, ATM, Drive-Thru

Open in Directions

Waynesboro

WAYNESBORO BRANCH OFFICE

Type: Branch Office

321 Dexter L Woods Memorial Blvd Ste A

Waynesboro, TN 38485-2418

Phone: (931) 722-9110

Services: Member Services, ATM, Drive-Thru

Open in Directions