TellerScore

Headquartered in Louisville, Tennessee, Tennessee Military Federal Credit Union is a federal credit union with $31.5M in total assets and $26.9M in member shares and deposits as of Q2 2026. Its charter dates back to 1956.

Based on its Q2 2026 filing, Tennessee Military Federal Credit Union scores 83/100, which we describe as strong. That is higher than 72% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 39th. Its strongest component is earnings (100/100; 2.07%), and its lowest is loan quality (68/100; 0.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.09%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.97%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity82/100
Loans ÷ shares: 78.5% · 2.1% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.95%

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 4 points (87 → 83), mostly because the loan quality component weakened by 30 points.

TellerScore
758391Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202491
Q4 202481
Q1 202587
Q2 202587
Q3 202581
Q4 202575
Q1 202689
Q2 202683
Net worth ratio
7.00%10.14%13.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.78%
Q3 202412.59%
Q4 202412.05%
Q1 202512.51%
Q2 202512.58%
Q3 202513.29%
Q4 202512.77%
Q1 202612.92%
Q2 202613.09%
Delinquent loans (60+ days)
0.00%0.60%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.01%
Q4 20240.06%
Q1 20250.03%
Q2 20250.06%
Q3 20251.19%
Q4 20251.02%
Q1 20260.00%
Q2 20260.97%
Return on assets
0.92%1.49%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.94%
Q3 20241.79%
Q4 20240.92%
Q1 20251.59%
Q2 20251.67%
Q3 20251.92%
Q4 20251.19%
Q1 20261.74%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$31.5M13.09%0.97%2.07%78.5%
Q1 202689$30.4M12.92%0.00%1.74%75.7%
Q4 202575$29.7M12.77%1.02%1.19%74.8%
Q3 202581$29.0M13.29%1.19%1.92%77.3%
Q2 202587$29.3M12.58%0.06%1.67%74.7%
Q1 202587$28.4M12.51%0.03%1.59%72.4%
Q4 202481$28.5M12.05%0.06%0.92%65.2%
Q3 202491$28.3M12.59%0.01%1.79%64.4%
Q2 202490$26.9M12.78%0.18%1.94%69.4%

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 ratio13.09%
40th
Problem loans0.97%
40th
Net charge-offs-0.04%
91st
Return on assets2.07%
95th
Loans to deposits78.5%
21st
Uninsured deposits2.1%
44th
Loan-loss reserves0.00%
37th
Texas ratio4.9%
30th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Kemba Delta Federal Credit UnionCredit union Bartlett, TN73 out of 100, Strong$31.2M29.4%3.17%vs
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs
Patriot Equity Credit UnionCredit union Jackson, TN44 out of 100, Below average$33.0M10.8%2.92%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs
Koin Credit UnionCredit union Brentwood, TN64 out of 100, Moderate$34.9M9.2%0.66%vs
Beacon Financial Credit UnionCredit union Johnson City, TN44 out of 100, Below average$27.9M7.7%1.39%vs

Deposit insurance

Is my money safe at Tennessee Military Federal Credit Union?

Yes. Tennessee Military Federal Credit Union is a federally insured credit union (NCUA charter #11152). 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 2.1% of shares and deposits ($563K) 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 13.09%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Tennessee Military Federal Credit Union
Type
Federal credit union
NCUA charter #
11152
RSSD ID
645287
Primary regulator
NCUA
Established
1956
Headquarters
1828 Airbase Rd, Louisville, TN 37777
Employees
6

Quick answers

Tennessee Military Federal Credit Union: common questions

Is Tennessee Military Federal Credit Union NCUA insured?

Yes. Tennessee Military Federal Credit Union is a federally insured credit union (NCUA charter #11152). 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 Military Federal Credit Union's TellerScore?

83 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.