TellerScore

Headquartered in Counce, Tennessee, Tennessee River Federal Credit Union is a federal credit union with $16.3M in total assets and $10.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1961.

Based on its Q2 2026 filing, Tennessee River Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 21st. Its strongest component is capital cushion (100/100; 33.21%), and its lowest is funding & liquidity (67/100; 94% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 33.21%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity67/100
Loans ÷ shares: 93.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.47%

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 (92 → 89), mostly because the loan quality component weakened by 6 points.

TellerScore
728495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202483
Q1 202581
Q2 202592
Q3 202594
Q4 202589
Q1 202695
Q2 202689
Net worth ratio
7.00%20.23%33.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202428.78%
Q3 202429.71%
Q4 202431.00%
Q1 202531.12%
Q2 202532.08%
Q3 202533.14%
Q4 202533.46%
Q1 202633.05%
Q2 202633.21%
Delinquent loans (60+ days)
0.01%0.77%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.53%
Q3 20240.53%
Q4 20240.28%
Q1 20250.19%
Q2 20250.06%
Q3 20250.01%
Q4 20250.02%
Q1 20260.02%
Q2 20260.25%
Return on assets
-2.23%-0.06%2.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 2024-2.23%
Q4 20240.77%
Q1 20250.38%
Q2 20251.59%
Q3 20252.12%
Q4 20251.32%
Q1 20261.96%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$16.3M33.21%0.25%1.50%93.7%
Q1 202695$16.4M33.05%0.02%1.96%92.3%
Q4 202589$16.0M33.46%0.02%1.32%95.4%
Q3 202594$16.0M33.14%0.01%2.12%96.8%
Q2 202592$16.3M32.08%0.06%1.59%91.5%
Q1 202581$16.6M31.12%0.19%0.38%88.5%
Q4 202483$16.3M31.00%0.28%0.77%90.0%
Q3 202472$17.1M29.71%0.53%-2.23%84.4%
Q2 202474$17.4M28.78%1.53%0.68%75.5%

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 ratio33.21%
96th
Problem loans0.25%
71st
Net charge-offs0.00%
77th
Return on assets1.50%
85th
Loans to deposits93.7%
6th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Gateway Credit UnionCredit union Clarksville, TN60 out of 100, Moderate$16.3M8.4%0.70%vs
Your Best Credit UnionCredit union Nashville, TN70 out of 100, Strong$16.0M15.2%0.32%vs
Skyline Credit UnionCredit union Nashville, TN68 out of 100, Moderate$16.8M24.3%2.95%vs
Enlighten Federal Credit UnionCredit union Jackson, TN85 out of 100, Very strong$16.8M14.3%0.69%vs
Parthenon Federal Credit UnionCredit union Nashville, TN42 out of 100, Below average$17.1M16.1%6.04%vs
The West Tennessee Credit UnionCredit union Atoka, TN75 out of 100, Strong$17.9M11.5%0.63%vs

Deposit insurance

Is my money safe at Tennessee River Federal Credit Union?

Yes. Tennessee River Federal Credit Union is a federally insured credit union (NCUA charter #14333). 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 0.0% of shares and deposits ($0) 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 33.21%, well 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 River Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tennessee River Federal Credit Union
Type
Federal credit union
NCUA charter #
14333
RSSD ID
353180
Primary regulator
NCUA
Established
1961
Headquarters
P O Box 91, Counce, TN 38326
Employees
5

Quick answers

Tennessee River Federal Credit Union: common questions

Is Tennessee River Federal Credit Union NCUA insured?

Yes. Tennessee River Federal Credit Union is a federally insured credit union (NCUA charter #14333). 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 River Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Tennessee River Federal Credit Union have?

2 offices as of the latest NCUA data.