TellerScore

Cleveland-Bradley Cty Teacher Federal Credit Union is a federal credit union headquartered in Cleveland, Tennessee, in business for about 65 years. At the end of Q2 2026 it reported $74.1M in total assets and $63.9M in member shares and deposits, with 1 office.

Cleveland-Bradley Cty Teacher Federal Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 40th. Funding & liquidity contributes the most (100/100, 37% loans-to-deposits, 8% uninsured); earnings contributes the least (62/100, 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.88%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 37.5% · 7.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.29%

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 4 points (78 → 82), mostly because the loan quality component improved by 10 points.

TellerScore
758187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202487
Q4 202480
Q1 202582
Q2 202578
Q3 202581
Q4 202575
Q1 202678
Q2 202682
Net worth ratio
7.00%10.18%13.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.94%
Q3 202413.37%
Q4 202412.85%
Q1 202512.68%
Q2 202512.50%
Q3 202512.53%
Q4 202512.39%
Q1 202612.68%
Q2 202612.88%
Delinquent loans (60+ days)
0.31%0.65%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20240.31%
Q4 20240.44%
Q1 20250.50%
Q2 20250.80%
Q3 20250.45%
Q4 20250.74%
Q1 20260.65%
Q2 20260.51%
Return on assets
0.74%1.01%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.27%
Q4 20240.80%
Q1 20251.18%
Q2 20251.10%
Q3 20251.08%
Q4 20250.74%
Q1 20260.88%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$74.1M12.88%0.51%1.05%37.5%
Q1 202678$73.5M12.68%0.65%0.88%37.0%
Q4 202575$73.9M12.39%0.74%0.74%38.5%
Q3 202581$73.5M12.53%0.45%1.08%39.6%
Q2 202578$72.0M12.50%0.80%1.10%40.5%
Q1 202582$69.5M12.68%0.50%1.18%42.8%
Q4 202480$67.0M12.85%0.44%0.80%45.7%
Q3 202487$65.0M13.37%0.31%1.27%48.4%
Q2 202479$65.6M12.94%0.98%1.29%48.7%

2,479 peers · Under $100 million in assets

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 ratio12.88%
38th
Problem loans0.51%
58th
Net charge-offs0.33%
36th
Return on assets1.05%
70th
Loans to deposits37.5%
81st
Uninsured deposits7.8%
11th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Middle Tennessee Federal Credit UnionCredit union Cookeville, TN96 out of 100, Very strong$71.3M16.8%0.40%vs
Enbright Credit UnionCredit union Nashville, TN67 out of 100, Moderate$79.3M10.9%0.44%vs
Copper Basin Federal Credit UnionCredit union Copperhill, TN70 out of 100, Strong$68.8M12.2%1.65%vs
Nashville Post Office Credit UnionCredit union Nashville, TN78 out of 100, Strong$81.3M16.2%0.76%vs
Credit Union for Robertson CountyCredit union Springfield, TN80 out of 100, Strong$85.3M13.1%0.59%vs

Deposit insurance

Is my money safe at Cleveland-Bradley Cty Teacher Federal Credit Union?

Yes. Cleveland-Bradley Cty Teacher Federal Credit Union is a federally insured credit union (NCUA charter #14677). 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 7.8% of shares and deposits ($5.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cleveland-Bradley Cty Teacher Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cleveland-Bradley Cty Teacher Federal Credit Union
Type
Federal credit union
NCUA charter #
14677
RSSD ID
787888
Primary regulator
NCUA
Established
1961
Headquarters
P.O. Box 4168, Cleveland, TN 37320
Employees
11

Quick answers

Cleveland-Bradley Cty Teacher Federal Credit Union: common questions

Is Cleveland-Bradley Cty Teacher Federal Credit Union NCUA insured?

Yes. Cleveland-Bradley Cty Teacher Federal Credit Union is a federally insured credit union (NCUA charter #14677). 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 Cleveland-Bradley Cty Teacher Federal Credit Union's TellerScore?

82 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 Cleveland-Bradley Cty Teacher Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cleveland

InstitutionScoreAssetsCapitalProblem loansCompare
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
B. M. H. Federal Credit UnionCredit union Cleveland, TN79 out of 100, Strong$3.7M21.2%0.94%vs
Chattanooga Area Schools Federal Credit UnionCredit union Chattanooga, TN76 out of 100, Strong$199.2M12.0%0.28%vs