Tennessee Valley Federal Credit Union is a federal credit union headquartered in Chattanooga, Tennessee, in business for about 90 years. At the end of Q2 2026 it reported $3.3B in total assets and $2.8B in member shares and deposits, with 6 offices across 2 states.
Based on its Q2 2026 filing, Tennessee Valley Federal Credit Union scores 84/100, which we describe as strong. That is higher than 93% of 454 credit unions with $1 billion – $10 billion. Among 125 credit unions headquartered in Tennessee, it ranks 34th. Its strongest component is capital cushion (98/100; 14.75%), and its lowest is funding & liquidity (73/100; 88% loans-to-deposits, 8% uninsured).
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 2 points (86 → 84), mostly because the earnings component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 83 |
| Q1 2025 | 86 |
| Q2 2025 | 86 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.99% |
| Q3 2024 | 14.21% |
| Q4 2024 | 14.23% |
| Q1 2025 | 14.35% |
| Q2 2025 | 14.66% |
| Q3 2025 | 14.93% |
| Q4 2025 | 14.68% |
| Q1 2026 | 14.65% |
| Q2 2026 | 14.75% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.70% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.67% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.62% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $3.3B | 14.75% | 0.77% | 1.51% | 87.7% |
| Q1 2026 | 86 | $3.2B | 14.65% | 0.50% | 1.45% | 87.8% |
| Q4 2025 | 85 | $3.1B | 14.68% | 0.79% | 1.57% | 85.3% |
| Q3 2025 | 85 | $3.0B | 14.93% | 0.81% | 1.64% | 89.0% |
| Q2 2025 | 86 | $2.9B | 14.66% | 0.70% | 1.62% | 87.5% |
| Q1 2025 | 86 | $2.9B | 14.35% | 0.51% | 1.52% | 85.2% |
| Q4 2024 | 83 | $2.9B | 14.23% | 0.91% | 1.67% | 83.3% |
| Q3 2024 | 84 | $2.8B | 14.21% | 0.82% | 1.71% | 83.4% |
| Q2 2024 | 84 | $2.7B | 13.99% | 0.73% | 1.70% | 83.8% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Y-12 Federal Credit UnionCredit union Oak Ridge, TN | 70 out of 100, Strong | $2.8B | 10.5% | 0.52% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| Ornl Federal Credit UnionCredit union Oak Ridge, TN | 69 out of 100, Moderate | $5.0B | 11.0% | 0.62% | vs |
| Leaders Credit UnionCredit union Jackson, TN | 69 out of 100, Moderate | $1.4B | 10.7% | 0.64% | vs |
| Orion Federal Credit UnionCredit union Memphis, TN | 72 out of 100, Strong | $1.3B | 18.4% | 0.55% | vs |
| Knoxville TVA Employees Credit UnionCredit union Knoxville, TN | 73 out of 100, Strong | $5.3B | 11.2% | 0.34% | vs |
Deposit insurance
Is my money safe at Tennessee Valley Federal Credit Union?
Yes. Tennessee Valley Federal Credit Union is a federally insured credit union (NCUA charter #1520). 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 8.0% of shares and deposits ($220.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 14.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Tennessee Valley Federal Credit Union lists 6 offices in 5 cities across 2 states. Most locations:
- Chattanooga, TN (2)
- Athens, TN (1)
- Cleveland, TN (1)
- Dayton, TN (1)
- Fort Oglethorpe, GA (1)
Identity & history
Profile
- Legal name
- Tennessee Valley Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1520
- RSSD ID
- 426374
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- PO Box 23967, Chattanooga, TN 37422
- Employees
- 559
Quick answers
Tennessee Valley Federal Credit Union: common questions
Is Tennessee Valley Federal Credit Union NCUA insured?
Yes. Tennessee Valley Federal Credit Union is a federally insured credit union (NCUA charter #1520). 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 Valley Federal Credit Union's TellerScore?
84 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 Tennessee Valley Federal Credit Union have?
6 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Chattanooga
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
| 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 |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |