TellerScore

Tongass Federal Credit Union (NCUA charter #15523) is based in Ketchikan, Alaska. Its Q2 2026 call report shows $251.9M in total assets and $213.8M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Tongass Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 8 credit unions headquartered in Alaska, it ranks 3rd. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.86%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity79/100
Loans ÷ shares: 81.2% · 5.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.54%

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 (77 → 73), mostly because the capital cushion component weakened by 10 points.

TellerScore
737577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202477
Q4 202475
Q1 202577
Q2 202577
Q3 202577
Q4 202573
Q1 202673
Q2 202673
Net worth ratio
7.00%10.59%14.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.19%
Q3 202414.13%
Q4 202413.96%
Q1 202513.97%
Q2 202513.86%
Q3 202513.47%
Q4 202513.04%
Q1 202612.96%
Q2 202612.86%
Delinquent loans (60+ days)
0.25%0.43%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.34%
Q4 20240.55%
Q1 20250.25%
Q2 20250.29%
Q3 20250.33%
Q4 20250.60%
Q1 20260.56%
Q2 20260.43%
Return on assets
0.08%0.25%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.18%
Q4 20240.23%
Q1 20250.15%
Q2 20250.26%
Q3 20250.31%
Q4 20250.37%
Q1 20260.42%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$251.9M12.86%0.43%0.30%81.2%
Q1 202673$246.6M12.96%0.56%0.42%78.4%
Q4 202573$250.9M13.04%0.60%0.37%75.8%
Q3 202577$249.6M13.47%0.33%0.31%75.8%
Q2 202577$228.6M13.86%0.29%0.26%78.9%
Q1 202577$222.4M13.97%0.25%0.15%78.5%
Q4 202475$223.5M13.96%0.55%0.23%77.6%
Q3 202477$224.7M14.13%0.34%0.18%76.2%
Q2 202475$215.2M14.19%0.48%0.08%80.2%

1,341 peers · $100 million – $1 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).

Capital ratio12.86%
68th
Problem loans0.43%
72nd
Net charge-offs0.24%
65th
Return on assets0.30%
17th
Loans to deposits81.2%
38th
Uninsured deposits5.5%
53rd
Loan-loss reserves0.00%
50th
Texas ratio2.5%
68th

Similar-size credit unions in Alaska

InstitutionScoreAssetsCapitalProblem loansCompare
True North Federal Credit UnionCredit union Juneau, AK58 out of 100, Moderate$236.2M10.2%0.87%vs
Northern Skies Federal Credit UnionCredit union Anchorage, AK73 out of 100, Strong$231.7M13.3%1.07%vs
Spirit of Alaska Federal Credit UnionCredit union Fairbanks, AK78 out of 100, Strong$200.5M14.8%1.16%vs
Matanuska Valley Federal Credit UnionCredit union Palmer, AK68 out of 100, Moderate$977.3M10.7%0.95%vs

Deposit insurance

Is my money safe at Tongass Federal Credit Union?

Yes. Tongass Federal Credit Union is a federally insured credit union (NCUA charter #15523). 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 5.5% of shares and deposits ($11.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Tongass Federal Credit Union lists 5 offices in 5 cities. Most locations:

  • Ketchikan, AK (1)
  • Klawock, AK (1)
  • Metlakatla, AK (1)
  • Petersburg, AK (1)
  • Thorne Bay, AK (1)

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Consumer Credit Card9.95% – 12.95%$0$150.0%
Consumer Credit Card9.95% – 12.95%$0$150.0%

All Tongass Federal Credit Union card terms

Identity & history

Profile

Legal name
Tongass Federal Credit Union
Type
Federal credit union
NCUA charter #
15523
RSSD ID
400084
Primary regulator
NCUA
Established
1963
Headquarters
2000 Tongass Ave, Ketchikan, AK 99901
Employees
95

Quick answers

Tongass Federal Credit Union: common questions

Is Tongass Federal Credit Union NCUA insured?

Yes. Tongass Federal Credit Union is a federally insured credit union (NCUA charter #15523). 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 Tongass Federal Credit Union's TellerScore?

73 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 Tongass Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ketchikan

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union 1Credit union Anchorage, AK78 out of 100, Strong$1.7B15.5%1.01%vs
Global Federal Credit UnionCredit union Anchorage, AK53 out of 100, Below average$13.0B9.7%1.42%vs