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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 90 |
| Q4 2024 | 85 |
| Q1 2025 | 87 |
| Q2 2025 | 88 |
| Q3 2025 | 87 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 85 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.90% |
| Q3 2024 | 16.57% |
| Q4 2024 | 15.82% |
| Q1 2025 | 15.88% |
| Q2 2025 | 16.05% |
| Q3 2025 | 16.85% |
| Q4 2025 | 16.72% |
| Q1 2026 | 17.11% |
| Q2 2026 | 17.37% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $3.2M | 17.37% | 0.00% | 0.09% | 30.3% |
| Q1 2026 | 86 | $3.3M | 17.11% | 0.00% | 0.20% | 32.2% |
| Q4 2025 | 85 | $3.4M | 16.72% | 0.00% | 0.07% | 32.0% |
| Q3 2025 | 87 | $3.4M | 16.85% | 0.00% | 0.44% | 33.8% |
| Q2 2025 | 88 | $3.5M | 16.05% | 0.00% | 0.45% | 30.9% |
| Q1 2025 | 87 | $3.5M | 15.88% | 0.00% | 0.41% | 30.4% |
| Q4 2024 | 85 | $3.5M | 15.82% | 0.00% | 0.07% | 28.6% |
| Q3 2024 | 90 | $3.5M | 16.57% | 0.00% | 0.78% | 32.0% |
| Q2 2024 | 90 | $3.6M | 15.90% | 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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kellogg Memphis Employees Federal Credit UnionCredit union Memphis, TN | 48 out of 100, Below average | $3.1M | 29.1% | 3.55% | vs |
| Smart Choice Credit UnionCredit union Cleveland, TN | 54 out of 100, Below average | $3.4M | 9.4% | 1.03% | vs |
| B. M. H. Federal Credit UnionCredit union Cleveland, TN | 79 out of 100, Strong | $3.7M | 21.2% | 0.94% | vs |
| Metropolitan Teachers Credit UnionCredit union Nashville, TN | 48 out of 100, Below average | $2.5M | 13.4% | 6.02% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| Bulab Employees Federal Credit UnionCredit union Memphis, TN | 72 out of 100, Strong | $2.2M | 35.0% | 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.
1 location
Branches
TVA Mid-South Federal Credit Union lists 1 office in 1 city. Most locations:
- Atoka, TN (1)
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.