TellerScore

Headquartered in Loudon, Tennessee, Foothills Federal Credit Union is a federal credit union with $94.6M in total assets and $84.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1962.

Based on its Q2 2026 filing, Foothills Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 93rd. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (50/100; 9.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.99%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.20%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 50.6% · 2.4% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.44%

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 fell 8 points (73 → 65), mostly because the loan quality component weakened by 31 points.

TellerScore
657075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202470
Q1 202569
Q2 202573
Q3 202573
Q4 202574
Q1 202675
Q2 202665
Net worth ratio
7.00%8.71%10.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.74%
Q3 20249.42%
Q4 20249.46%
Q1 20259.52%
Q2 202510.21%
Q3 202510.42%
Q4 202510.31%
Q1 20269.94%
Q2 20269.99%
Delinquent loans (60+ days)
0.07%0.63%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.22%
Q4 20240.36%
Q1 20250.24%
Q2 20250.26%
Q3 20250.35%
Q4 20250.28%
Q1 20260.07%
Q2 20261.20%
Return on assets
0.44%0.67%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.71%
Q4 20240.68%
Q1 20250.44%
Q2 20250.73%
Q3 20250.81%
Q4 20250.84%
Q1 20260.89%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$94.6M9.99%1.20%0.90%50.6%
Q1 202675$92.9M9.94%0.07%0.89%51.0%
Q4 202574$87.5M10.31%0.28%0.84%55.0%
Q3 202573$84.5M10.42%0.35%0.81%55.6%
Q2 202573$84.2M10.21%0.26%0.73%55.2%
Q1 202569$88.2M9.52%0.24%0.44%50.8%
Q4 202470$87.6M9.46%0.36%0.68%51.2%
Q3 202471$86.6M9.42%0.22%0.71%51.6%
Q2 202470$82.1M9.74%0.45%0.72%52.8%

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 ratio9.99%
16th
Problem loans1.20%
34th
Net charge-offs-0.06%
92nd
Return on assets0.90%
63rd
Loans to deposits50.6%
63rd
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio5.4%
27th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Kingsport Press Credit UnionCredit union Kingsport, TN92 out of 100, Very strong$95.6M16.4%0.40%vs
Family Advantage Federal Credit UnionCredit union Spring Hill, TN59 out of 100, Moderate$93.4M9.2%0.88%vs
Securcommunity Federal Credit UnionCredit union Cordova, TN76 out of 100, Strong$91.6M14.1%0.66%vs
Tennessee Members 1st Federal Credit UnionCredit union Oak Ridge, TN53 out of 100, Below average$97.9M11.6%2.29%vs
Tnconnect Credit UnionCredit union Knoxville, TN54 out of 100, Below average$90.6M7.4%0.64%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs

Deposit insurance

Is my money safe at Foothills Federal Credit Union?

Yes. Foothills Federal Credit Union is a federally insured credit union (NCUA charter #15015). 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 ($2.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.99%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Foothills Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Foothills Federal Credit Union
Type
Federal credit union
NCUA charter #
15015
RSSD ID
869382
Primary regulator
NCUA
Established
1962
Headquarters
956 Mulberry St, Loudon, TN 37774
Employees
21

Quick answers

Foothills Federal Credit Union: common questions

Is Foothills Federal Credit Union NCUA insured?

Yes. Foothills Federal Credit Union is a federally insured credit union (NCUA charter #15015). 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 Foothills Federal Credit Union's TellerScore?

65 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 Foothills Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Loudon

InstitutionScoreAssetsCapitalProblem loansCompare
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
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs
Maryville Municipal Credit UnionCredit union Maryville, TN89 out of 100, Very strong$23.2M16.8%0.45%vs