TellerScore

TVA Mid-South Federal Credit Union (NCUA charter #16520) is based in Memphis, Tennessee. Its Q2 2026 call report shows $3.2M in total assets and $2.7M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, TVA Mid-South Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 33rd. Its strongest component is capital cushion (100/100; 17.37%), and its lowest is earnings (24/100; 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.37%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity100/100
Loans ÷ shares: 30.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (88 → 85), mostly because the earnings component weakened by 14 points.

TellerScore
858890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202490
Q4 202485
Q1 202587
Q2 202588
Q3 202587
Q4 202585
Q1 202686
Q2 202685
Net worth ratio
7.00%12.18%17.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.90%
Q3 202416.57%
Q4 202415.82%
Q1 202515.88%
Q2 202516.05%
Q3 202516.85%
Q4 202516.72%
Q1 202617.11%
Q2 202617.37%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.07%0.44%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.78%
Q4 20240.07%
Q1 20250.41%
Q2 20250.45%
Q3 20250.44%
Q4 20250.07%
Q1 20260.20%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$3.2M17.37%0.00%0.09%30.3%
Q1 202686$3.3M17.11%0.00%0.20%32.2%
Q4 202585$3.4M16.72%0.00%0.07%32.0%
Q3 202587$3.4M16.85%0.00%0.44%33.8%
Q2 202588$3.5M16.05%0.00%0.45%30.9%
Q1 202587$3.5M15.88%0.00%0.41%30.4%
Q4 202485$3.5M15.82%0.00%0.07%28.6%
Q3 202490$3.5M16.57%0.00%0.78%32.0%
Q2 202490$3.6M15.90%0.00%0.81%31.9%

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 ratio17.37%
67th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.09%
23rd
Loans to deposits30.3%
89th
Uninsured deposits0.0%
81st
Loan-loss reserves1.13%
84th
Texas ratio0.0%
93rd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Kellogg Memphis Employees Federal Credit UnionCredit union Memphis, TN48 out of 100, Below average$3.1M29.1%3.55%vs
Smart Choice Credit UnionCredit union Cleveland, TN54 out of 100, Below average$3.4M9.4%1.03%vs
B. M. H. Federal Credit UnionCredit union Cleveland, TN79 out of 100, Strong$3.7M21.2%0.94%vs
Metropolitan Teachers Credit UnionCredit union Nashville, TN48 out of 100, Below average$2.5M13.4%6.02%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs
Bulab Employees Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$2.2M35.0%1.68%vs

Deposit insurance

Is my money safe at TVA Mid-South Federal Credit Union?

Yes. TVA Mid-South Federal Credit Union is a federally insured credit union (NCUA charter #16520). 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 17.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

TVA Mid-South Federal Credit Union lists 1 office in 1 city. Most locations:

  • Atoka, TN (1)

All branch addresses and map

Identity & history

Profile

Legal name
TVA Mid-South Federal Credit Union
Type
Federal credit union
NCUA charter #
16520
RSSD ID
808381
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 918, Memphis, TN 38101
Employees
2

Quick answers

TVA Mid-South Federal Credit Union: common questions

Is TVA Mid-South Federal Credit Union NCUA insured?

Yes. TVA Mid-South Federal Credit Union is a federally insured credit union (NCUA charter #16520). 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 TVA Mid-South Federal Credit Union's TellerScore?

85 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 TVA Mid-South Federal Credit Union have?

1 office as of the latest NCUA data.