TellerScore

Comtrust Federal Credit Union is a federal credit union headquartered in Chattanooga, Tennessee, in business for about 91 years. At the end of Q2 2026 it reported $429.7M in total assets and $379.7M in member shares and deposits, with 6 offices across 3 states.

Based on its Q2 2026 filing, Comtrust Federal Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 63rd. Its strongest component is funding & liquidity (100/100; 25% loans-to-deposits, 7% uninsured), and its lowest is earnings (41/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.42%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings41/100
Return on assets (annualized): 0.51%
Funding & liquidity100/100
Loans ÷ shares: 25.5% · 7.5% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.84%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 74).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202471
Q1 202575
Q2 202575
Q3 202576
Q4 202575
Q1 202676
Q2 202674
Net worth ratio
7.00%9.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.96%
Q3 202411.11%
Q4 202411.09%
Q1 202511.06%
Q2 202511.18%
Q3 202511.33%
Q4 202511.23%
Q1 202611.30%
Q2 202611.42%
Delinquent loans (60+ days)
0.09%0.25%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.19%
Q4 20240.24%
Q1 20250.11%
Q2 20250.17%
Q3 20250.09%
Q4 20250.13%
Q1 20260.10%
Q2 20260.41%
Return on assets
0.01%0.26%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.05%
Q4 20240.06%
Q1 20250.41%
Q2 20250.50%
Q3 20250.51%
Q4 20250.48%
Q1 20260.50%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$429.7M11.42%0.41%0.51%25.5%
Q1 202676$429.5M11.30%0.10%0.50%25.4%
Q4 202575$421.5M11.23%0.13%0.48%25.9%
Q3 202576$414.0M11.33%0.09%0.51%26.6%
Q2 202575$414.4M11.18%0.17%0.50%26.7%
Q1 202575$413.8M11.06%0.11%0.41%26.0%
Q4 202471$408.6M11.09%0.24%0.06%26.1%
Q3 202471$407.4M11.11%0.19%0.05%26.6%
Q2 202471$411.9M10.96%0.15%0.01%26.5%

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 ratio11.42%
50th
Problem loans0.41%
74th
Net charge-offs0.08%
87th
Return on assets0.51%
31st
Loans to deposits25.5%
99th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio0.8%
91st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs
Ten Credit UnionCredit union Nashville, TN62 out of 100, Moderate$392.0M8.6%0.21%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 Comtrust Federal Credit Union?

Yes. Comtrust Federal Credit Union is a federally insured credit union (NCUA charter #606). 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 7.5% of shares and deposits ($28.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.42%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Comtrust Federal Credit Union lists 6 offices in 5 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Comtrust Federal Credit Union
Type
Federal credit union
NCUA charter #
606
RSSD ID
791371
Primary regulator
NCUA
Established
1935
Headquarters
1020 Riverfront Pkwy, Chattanooga, TN 37402
Employees
58

Quick answers

Comtrust Federal Credit Union: common questions

Is Comtrust Federal Credit Union NCUA insured?

Yes. Comtrust Federal Credit Union is a federally insured credit union (NCUA charter #606). 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 Comtrust Federal Credit Union's TellerScore?

74 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 Comtrust Federal Credit Union have?

6 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Chattanooga

InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
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
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%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