TellerScore

Headquartered in Oak Ridge, Tennessee, Tennessee Members 1st Federal Credit Union is a federal credit union with $97.9M in total assets and $87.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1946.

Tennessee Members 1st Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 112th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 1% uninsured); earnings contributes the least (20/100, -0.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.56%
Loan quality24/100
Loans 60+ days delinquent ÷ total loans: 2.29%
Earnings20/100
Return on assets (annualized): -0.01%
Funding & liquidity100/100
Loans ÷ shares: 52.0% · 0.8% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.16%

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 10 points (63 → 53), mostly because the loan quality component weakened by 32 points.

TellerScore
536372Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202467
Q4 202467
Q1 202563
Q2 202563
Q3 202559
Q4 202557
Q1 202658
Q2 202653
Net worth ratio
7.00%9.28%11.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.45%
Q3 202411.35%
Q4 202411.41%
Q1 202511.12%
Q2 202511.39%
Q3 202511.26%
Q4 202511.20%
Q1 202611.53%
Q2 202611.56%
Delinquent loans (60+ days)
0.12%1.20%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.73%
Q4 20240.64%
Q1 20251.21%
Q2 20251.32%
Q3 20251.61%
Q4 20251.76%
Q1 20261.80%
Q2 20262.29%
Return on assets
-0.01%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.02%
Q3 20240.01%
Q4 20240.01%
Q1 20250.18%
Q2 20250.18%
Q3 20250.12%
Q4 20250.03%
Q1 20260.06%
Q2 2026-0.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$97.9M11.56%2.29%-0.01%52.0%
Q1 202658$98.3M11.53%1.80%0.06%51.3%
Q4 202557$97.9M11.20%1.76%0.03%52.4%
Q3 202559$98.1M11.26%1.61%0.12%52.7%
Q2 202563$97.0M11.39%1.32%0.18%51.1%
Q1 202563$98.9M11.12%1.21%0.18%49.5%
Q4 202467$96.0M11.41%0.64%0.01%49.5%
Q3 202467$96.8M11.35%0.73%0.01%48.2%
Q2 202472$95.9M11.45%0.12%0.02%48.4%

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 ratio11.56%
28th
Problem loans2.29%
18th
Net charge-offs1.03%
14th
Return on assets-0.01%
19th
Loans to deposits52.0%
60th
Uninsured deposits0.8%
55th
Loan-loss reserves0.00%
37th
Texas ratio9.2%
15th

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
Foothills Federal Credit UnionCredit union Loudon, TN65 out of 100, Moderate$94.6M10.0%1.20%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
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 Tennessee Members 1st Federal Credit Union?

Yes. Tennessee Members 1st Federal Credit Union is a federally insured credit union (NCUA charter #5318). 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 0.8% of shares and deposits ($734K) 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 11.56%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Tennessee Members 1st Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tennessee Members 1st Federal Credit Union
Type
Federal credit union
NCUA charter #
5318
RSSD ID
962274
Primary regulator
NCUA
Established
1946
Headquarters
PO Box 6828, Oak Ridge, TN 37831
Employees
19

Quick answers

Tennessee Members 1st Federal Credit Union: common questions

Is Tennessee Members 1st Federal Credit Union NCUA insured?

Yes. Tennessee Members 1st Federal Credit Union is a federally insured credit union (NCUA charter #5318). 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 Tennessee Members 1st Federal Credit Union's TellerScore?

53 out of 100 (Below average), 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 Tennessee Members 1st Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oak Ridge

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
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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