TellerScore

Knoxville TVA Employees Credit Union is a federally insured state-chartered credit union headquartered in Knoxville, Tennessee, in business for about 92 years. At the end of Q2 2026 it reported $5.3B in total assets and $4.6B in member shares and deposits, with 22 offices.

Knoxville TVA Employees Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 454 credit unions with $1 billion – $10 billion. Among 125 credit unions headquartered in Tennessee, it ranks 66th. Problem-loan coverage contributes the most (94/100, 3.0%); earnings contributes the least (62/100, 1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.16%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity66/100
Loans ÷ shares: 94.0% · 11.4% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.04%

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 2 points (75 → 73), mostly because the earnings component weakened by 23 points.

TellerScore
697376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202471
Q1 202576
Q2 202575
Q3 202575
Q4 202575
Q1 202669
Q2 202673
Net worth ratio
7.00%9.10%11.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.01%
Q3 202410.14%
Q4 202410.34%
Q1 202510.57%
Q2 202510.80%
Q3 202511.00%
Q4 202511.20%
Q1 202611.04%
Q2 202611.16%
Delinquent loans (60+ days)
0.26%0.39%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.32%
Q4 20240.38%
Q1 20250.32%
Q2 20250.39%
Q3 20250.44%
Q4 20250.52%
Q1 20260.33%
Q2 20260.34%
Return on assets
0.69%1.21%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.38%
Q4 20241.40%
Q1 20251.73%
Q2 20251.62%
Q3 20251.58%
Q4 20251.61%
Q1 20260.69%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$5.3B11.16%0.34%1.06%94.0%
Q1 202669$5.2B11.04%0.33%0.69%93.1%
Q4 202575$5.1B11.20%0.52%1.61%94.2%
Q3 202575$5.0B11.00%0.44%1.58%95.3%
Q2 202575$4.8B10.80%0.39%1.62%96.8%
Q1 202576$4.7B10.57%0.32%1.73%96.9%
Q4 202471$4.6B10.34%0.38%1.40%97.9%
Q3 202472$4.6B10.14%0.32%1.38%95.9%
Q2 202471$4.5B10.01%0.26%1.32%96.2%

454 peers · $1 billion – $10 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 ratio11.16%
56th
Problem loans0.34%
87th
Net charge-offs0.61%
38th
Return on assets1.06%
71st
Loans to deposits94.0%
29th
Uninsured deposits11.4%
32nd
Loan-loss reserves0.00%
50th
Texas ratio3.0%
75th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Ornl Federal Credit UnionCredit union Oak Ridge, TN69 out of 100, Moderate$5.0B11.0%0.62%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
Y-12 Federal Credit UnionCredit union Oak Ridge, TN70 out of 100, Strong$2.8B10.5%0.52%vs
Leaders Credit UnionCredit union Jackson, TN69 out of 100, Moderate$1.4B10.7%0.64%vs
Orion Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$1.3B18.4%0.55%vs

Deposit insurance

Is my money safe at Knoxville TVA Employees Credit Union?

Yes. Knoxville TVA Employees Credit Union is a federally insured credit union (NCUA charter #68085). 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 11.4% of shares and deposits ($522.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.16%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

22 locations

Branches

Knoxville TVA Employees Credit Union lists 22 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Knoxville TVA Employees Credit Union reported 2,231 home-loan applications under HMDA (LEI 54930074H8866HTIWU69): 1,809 originated ($239,825,000 total), 104 denied, and 206 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, 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
Knoxville TVA Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68085
RSSD ID
456492
Primary regulator
State + NCUA
Established
1934
Headquarters
P.O. Box 36027, Knoxville, TN 37930
Employees
681

Quick answers

Knoxville TVA Employees Credit Union: common questions

Is Knoxville TVA Employees Credit Union NCUA insured?

Yes. Knoxville TVA Employees Credit Union is a federally insured credit union (NCUA charter #68085). 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 Knoxville TVA Employees Credit Union's TellerScore?

73 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 Knoxville TVA Employees Credit Union have?

22 offices as of the latest NCUA data.