TellerScore

Headquartered in Chattanooga, Tennessee, Trust Federal Credit Union is a federal credit union with $141.8M in total assets and $123.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.

Trust Federal Credit Union has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 120th. Funding & liquidity contributes the most (74/100, 86% loans-to-deposits, 12% uninsured); loan quality contributes the least (0/100, 3.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.65%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.41%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity74/100
Loans ÷ shares: 85.8% · 11.8% uninsured
Problem-loan coverage55/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 22.66%

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 (46 → 44), mostly because the loan quality component weakened by 8 points.

TellerScore
445157Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202452
Q4 202456
Q1 202555
Q2 202546
Q3 202546
Q4 202555
Q1 202657
Q2 202644
Net worth ratio
7.00%9.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.29%
Q3 202412.38%
Q4 202412.20%
Q1 202511.80%
Q2 202511.81%
Q3 202512.11%
Q4 202511.92%
Q1 202611.68%
Q2 202611.65%
Delinquent loans (60+ days)
1.66%2.53%3.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.16%
Q3 20242.36%
Q4 20241.92%
Q1 20251.78%
Q2 20252.76%
Q3 20252.92%
Q4 20251.96%
Q1 20261.66%
Q2 20263.41%
Return on assets
0.27%0.43%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.53%
Q4 20240.49%
Q1 20250.27%
Q2 20250.32%
Q3 20250.49%
Q4 20250.46%
Q1 20260.39%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$141.8M11.65%3.41%0.36%85.8%
Q1 202657$140.4M11.68%1.66%0.39%86.1%
Q4 202555$136.4M11.92%1.96%0.46%87.0%
Q3 202546$133.4M12.11%2.92%0.49%87.1%
Q2 202546$134.5M11.81%2.76%0.32%85.4%
Q1 202555$133.6M11.80%1.78%0.27%85.5%
Q4 202456$128.5M12.20%1.92%0.49%89.6%
Q3 202452$125.8M12.38%2.36%0.53%93.4%
Q2 202446$125.7M12.29%3.16%0.59%95.6%

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 ratio11.65%
53rd
Problem loans3.41%
1st
Net charge-offs0.23%
66th
Return on assets0.36%
22nd
Loans to deposits85.8%
26th
Uninsured deposits11.8%
11th
Loan-loss reserves0.00%
50th
Texas ratio22.7%
1st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Upper Cumberland Federal Credit UnionCredit union Crossville, TN72 out of 100, Strong$140.5M9.9%0.20%vs
Clinchfield Federal Credit UnionCredit union Erwin, TN83 out of 100, Strong$140.3M12.5%0.25%vs
Kimberly Clark Credit UnionCredit union Memphis, TN75 out of 100, Strong$144.7M22.3%1.33%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Scenic Community Credit UnionCredit union Hixson, TN47 out of 100, Below average$163.8M9.4%1.46%vs
City Employees Credit UnionCredit union Knoxville, TN90 out of 100, Very strong$115.3M23.1%0.47%vs

Deposit insurance

Is my money safe at Trust Federal Credit Union?

Yes. Trust Federal Credit Union is a federally insured credit union (NCUA charter #24629). 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 11.8% of shares and deposits ($14.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.65%, 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

Trust Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Trust Federal Credit Union reported 31 home-loan applications under HMDA (LEI 549300V4IWDO6EFUKC70): 27 originated ($6,955,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
24629
RSSD ID
392198
Primary regulator
NCUA
Established
1934
Headquarters
7386 Applegate Lane, Chattanooga, TN 37421
Employees
31

Quick answers

Trust Federal Credit Union: common questions

Is Trust Federal Credit Union NCUA insured?

Yes. Trust Federal Credit Union is a federally insured credit union (NCUA charter #24629). 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 Trust Federal Credit Union's TellerScore?

44 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 Trust Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chattanooga

InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs