Headquartered in Chattanooga, Tennessee, Memorial Credit Union is a federally insured state-chartered credit union with $7.1M in total assets and $6.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1959.
Memorial Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 89th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 5% uninsured); earnings contributes the least (5/100, -0.38%).
TellerScore · Q2 2026
Scorecard
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 3 points (70 → 67), mostly because the earnings component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 74 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 79 |
| Q1 2026 | 75 |
| Q2 2026 | 67 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.87% |
| Q3 2024 | 14.01% |
| Q4 2024 | 14.00% |
| Q1 2025 | 14.11% |
| Q2 2025 | 13.79% |
| Q3 2025 | 14.06% |
| Q4 2025 | 13.86% |
| Q1 2026 | 14.18% |
| Q2 2026 | 13.75% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.75% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.16% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.25% |
| Q2 2026 | 1.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.18% |
| Q3 2024 | -0.39% |
| Q4 2024 | -0.42% |
| Q1 2025 | -0.20% |
| Q2 2025 | -0.12% |
| Q3 2025 | -0.09% |
| Q4 2025 | 0.05% |
| Q1 2026 | -0.81% |
| Q2 2026 | -0.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $7.1M | 13.75% | 1.20% | -0.38% | 54.1% |
| Q1 2026 | 75 | $6.9M | 14.18% | 0.25% | -0.81% | 57.5% |
| Q4 2025 | 79 | $7.1M | 13.86% | 0.26% | 0.05% | 60.2% |
| Q3 2025 | 69 | $7.0M | 14.06% | 1.16% | -0.09% | 64.1% |
| Q2 2025 | 70 | $7.1M | 13.79% | 1.00% | -0.12% | 62.9% |
| Q1 2025 | 72 | $6.9M | 14.11% | 0.75% | -0.20% | 65.7% |
| Q4 2024 | 72 | $7.0M | 14.00% | 0.47% | -0.42% | 68.2% |
| Q3 2024 | 74 | $7.1M | 14.01% | 0.23% | -0.39% | 72.2% |
| Q2 2024 | 67 | $7.2M | 13.87% | 1.07% | -0.18% | 76.7% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Church of God Credit UnionCredit union Cleveland, TN | 55 out of 100, Moderate | $6.7M | 7.3% | 0.00% | vs |
| Gallatin Steam Plant Credit UnionCredit union Gallatin, TN | 65 out of 100, Moderate | $8.1M | 17.0% | 2.55% | vs |
| Bcbst Employees Credit UnionCredit union Chattanooga, TN | 90 out of 100, Very strong | $8.3M | 25.6% | 0.11% | vs |
| Delta Refining Co Emp Federal Credit UnionCredit union Memphis, TN | 80 out of 100, Strong | $4.6M | 21.4% | 0.00% | vs |
| Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN | 94 out of 100, Very strong | $4.5M | 18.9% | 0.00% | vs |
| Hurd Employees Credit UnionCredit union Greeneville, TN | 46 out of 100, Below average | $4.3M | 36.1% | 3.55% | vs |
Deposit insurance
Is my money safe at Memorial Credit Union?
Yes. Memorial Credit Union is a federally insured credit union (NCUA charter #63802). 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 5.2% of shares and deposits ($314K) 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 13.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Memorial Credit Union lists 1 office in 1 city. Most locations:
- Chattanooga, TN (1)
Identity & history
Profile
- Legal name
- Memorial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63802
- RSSD ID
- 964090
- Primary regulator
- State + NCUA
- Established
- 1959
- Headquarters
- 6800 Longview Rd, Chattanooga, TN 37421
- Employees
- 4
Quick answers
Memorial Credit Union: common questions
Is Memorial Credit Union NCUA insured?
Yes. Memorial Credit Union is a federally insured credit union (NCUA charter #63802). 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 Memorial Credit Union's TellerScore?
67 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 Memorial Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Chattanooga
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bcbst Employees Credit UnionCredit union Chattanooga, TN | 90 out of 100, Very strong | $8.3M | 25.6% | 0.11% | vs |
| Healthcare Services Credit UnionCredit union Chattanooga, TN | 87 out of 100, Very strong | $26.1M | 15.0% | 0.03% | vs |
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN | 85 out of 100, Very strong | $76.0M | 16.9% | 0.39% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |