TellerScore

Fedtrust Federal Credit Union (NCUA charter #13233) is based in Memphis, Tennessee. Its Q2 2026 call report shows $55.3M in total assets and $51.0M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Fedtrust Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 108th. Its strongest component is problem-loan coverage (88/100; 6.0%), and its lowest is capital cushion (22/100; 7.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion22/100
Net worth ratio: 7.17%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity78/100
Loans ÷ shares: 82.3% · 4.7% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.00%

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 9 points (47 → 56), mostly because the loan quality component improved by 19 points.

TellerScore
394857Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202457
Q3 202455
Q4 202452
Q1 202539
Q2 202547
Q3 202553
Q4 202549
Q1 202653
Q2 202656
Net worth ratio
6.89%7.21%7.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.18%
Q3 20247.43%
Q4 20247.54%
Q1 20257.11%
Q2 20257.16%
Q3 20257.21%
Q4 20256.95%
Q1 20266.89%
Q2 20267.17%
Delinquent loans (60+ days)
0.46%0.87%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.62%
Q4 20240.83%
Q1 20251.29%
Q2 20251.09%
Q3 20250.57%
Q4 20250.82%
Q1 20260.82%
Q2 20260.52%
Return on assets
-0.40%0.15%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.71%
Q3 20240.70%
Q4 20240.56%
Q1 2025-0.40%
Q2 20250.29%
Q3 20250.30%
Q4 20250.13%
Q1 20260.55%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$55.3M7.17%0.52%0.57%82.3%
Q1 202653$56.4M6.89%0.82%0.55%80.7%
Q4 202549$54.8M6.95%0.82%0.13%83.4%
Q3 202553$53.7M7.21%0.57%0.30%84.9%
Q2 202547$53.5M7.16%1.09%0.29%87.0%
Q1 202539$52.0M7.11%1.29%-0.40%89.1%
Q4 202452$49.8M7.54%0.83%0.56%92.5%
Q3 202455$50.6M7.43%0.62%0.70%91.2%
Q2 202457$51.3M7.18%0.46%0.71%87.7%

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 ratio7.17%
2nd
Problem loans0.52%
58th
Net charge-offs0.12%
55th
Return on assets0.57%
45th
Loans to deposits82.3%
17th
Uninsured deposits4.7%
23rd
Loan-loss reserves0.00%
37th
Texas ratio6.0%
24th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Resource Federal Credit UnionCredit union Jackson, TN71 out of 100, Strong$54.7M10.4%0.62%vs
Greater Experience Credit UnionCredit union Johnson City, TN64 out of 100, Moderate$56.4M14.0%1.47%vs
Jack Daniel Employees Credit UnionCredit union Lynchburg, TN74 out of 100, Strong$56.7M11.3%0.63%vs
Veritas Federal Credit UnionCredit union Smyrna, TN57 out of 100, Moderate$57.1M8.0%0.60%vs
Vanderbilt Credit UnionCredit union Nashville, TN57 out of 100, Moderate$53.2M9.8%1.29%vs
Healthnet Federal Credit UnionCredit union Cordova, TN78 out of 100, Strong$58.1M13.2%0.27%vs

Deposit insurance

Is my money safe at Fedtrust Federal Credit Union?

Yes. Fedtrust Federal Credit Union is a federally insured credit union (NCUA charter #13233). 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 4.7% of shares and deposits ($2.4M) 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 7.17%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Fedtrust Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fedtrust Federal Credit Union
Type
Federal credit union
NCUA charter #
13233
RSSD ID
618683
Primary regulator
NCUA
Established
1959
Headquarters
167 N Main St., Ste 102, Memphis, TN 38103
Employees
13

Quick answers

Fedtrust Federal Credit Union: common questions

Is Fedtrust Federal Credit Union NCUA insured?

Yes. Fedtrust Federal Credit Union is a federally insured credit union (NCUA charter #13233). 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 Fedtrust Federal Credit Union's TellerScore?

56 out of 100 (Moderate), 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 Fedtrust Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs