TellerScore

Headquartered in Alcoa, Tennessee, Alcoa Tenn Federal Credit Union is a federal credit union with $426.9M in total assets and $367.4M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1936.

Alcoa Tenn Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 35th. Funding & liquidity contributes the most (94/100, 66% loans-to-deposits, 2% uninsured); loan quality contributes the least (65/100, 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.88%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity94/100
Loans ÷ shares: 66.0% · 2.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (81 → 84), mostly because the capital cushion component improved by 10 points.

TellerScore
748188Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202478
Q4 202478
Q1 202582
Q2 202581
Q3 202582
Q4 202584
Q1 202688
Q2 202684
Net worth ratio
7.00%10.44%13.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.47%
Q3 202411.96%
Q4 202412.39%
Q1 202512.41%
Q2 202512.93%
Q3 202513.30%
Q4 202513.57%
Q1 202613.52%
Q2 202613.88%
Delinquent loans (60+ days)
0.45%0.76%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20240.76%
Q4 20241.02%
Q1 20250.52%
Q2 20251.02%
Q3 20251.08%
Q4 20251.00%
Q1 20260.45%
Q2 20261.05%
Return on assets
0.90%1.31%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20241.28%
Q4 20241.46%
Q1 20251.43%
Q2 20251.63%
Q3 20251.69%
Q4 20251.72%
Q1 20261.67%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$426.9M13.88%1.05%1.69%66.0%
Q1 202688$424.5M13.52%0.45%1.67%64.7%
Q4 202584$413.6M13.57%1.00%1.72%65.9%
Q3 202582$407.4M13.30%1.08%1.69%66.1%
Q2 202581$404.7M12.93%1.02%1.63%65.1%
Q1 202582$406.7M12.41%0.52%1.43%64.0%
Q4 202478$399.7M12.39%1.02%1.46%64.2%
Q3 202478$397.6M11.96%0.76%1.28%63.8%
Q2 202474$397.0M11.47%0.69%0.90%64.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.88%
78th
Problem loans1.05%
28th
Net charge-offs0.04%
94th
Return on assets1.69%
93rd
Loans to deposits66.0%
69th
Uninsured deposits2.4%
87th
Loan-loss reserves0.00%
50th
Texas ratio5.2%
37th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs
Ten Credit UnionCredit union Nashville, TN62 out of 100, Moderate$392.0M8.6%0.21%vs
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Memphis City Employees Credit UnionCredit union Memphis, TN81 out of 100, Strong$502.5M14.5%0.63%vs
Old Hickory Credit UnionCredit union Nashville, TN65 out of 100, Moderate$347.3M10.5%1.17%vs

Deposit insurance

Is my money safe at Alcoa Tenn Federal Credit Union?

Yes. Alcoa Tenn Federal Credit Union is a federally insured credit union (NCUA charter #1509). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.4% of shares and deposits ($8.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Alcoa Tenn Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alcoa Tenn Federal Credit Union reported 166 home-loan applications under HMDA (LEI 549300DV2WBWN5ZEMV06): 116 originated ($22,860,000 total), 21 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Alcoa Tenn Federal Credit Union
Type
Federal credit union
NCUA charter #
1509
RSSD ID
513377
Primary regulator
NCUA
Established
1936
Headquarters
P.O. Box 9001, Alcoa, TN 37701
Employees
86

Quick answers

Alcoa Tenn Federal Credit Union: common questions

Is Alcoa Tenn Federal Credit Union NCUA insured?

Yes. Alcoa Tenn Federal Credit Union is a federally insured credit union (NCUA charter #1509). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Alcoa Tenn Federal Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Alcoa Tenn Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Alcoa

InstitutionScoreAssetsCapitalProblem loansCompare
Sevier County Schools Federal Credit UnionCredit union Sevierville, TN99 out of 100, Very strong$13.9M21.8%0.09%vs
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs