TellerScore

U. T. Federal Credit Union is a federal credit union headquartered in Knoxville, Tennessee, in business for about 57 years. At the end of Q2 2026 it reported $553.9M in total assets and $486.5M in member shares and deposits, with 9 offices.

Based on its Q2 2026 filing, U. T. Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 91st. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (38/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.68%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity65/100
Loans ÷ shares: 95.2% · 8.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.91%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
646565Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202564
Q2 202565
Q3 202564
Q4 202564
Q1 202664
Q2 202665
Net worth ratio
7.00%8.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.67%
Q3 20249.39%
Q4 20249.62%
Q1 20259.33%
Q2 20259.56%
Q3 20259.40%
Q4 20259.35%
Q1 20269.26%
Q2 20269.68%
Delinquent loans (60+ days)
0.10%0.14%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.11%
Q4 20240.16%
Q1 20250.12%
Q2 20250.10%
Q3 20250.17%
Q4 20250.18%
Q1 20260.15%
Q2 20260.19%
Return on assets
0.35%0.44%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.43%
Q4 20240.48%
Q1 20250.45%
Q2 20250.53%
Q3 20250.52%
Q4 20250.50%
Q1 20260.41%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$553.9M9.68%0.19%0.45%95.2%
Q1 202664$572.1M9.26%0.15%0.41%91.7%
Q4 202564$561.6M9.35%0.18%0.50%95.4%
Q3 202564$551.8M9.40%0.17%0.52%99.2%
Q2 202565$534.8M9.56%0.10%0.53%99.3%
Q1 202564$539.4M9.33%0.12%0.45%94.1%
Q4 202464$518.1M9.62%0.16%0.48%98.1%
Q3 202464$521.9M9.39%0.11%0.43%98.8%
Q2 202464$498.5M9.67%0.13%0.35%97.5%

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 ratio9.68%
23rd
Problem loans0.19%
91st
Net charge-offs0.28%
59th
Return on assets0.45%
27th
Loans to deposits95.2%
7th
Uninsured deposits8.3%
27th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Memphis City Employees Credit UnionCredit union Memphis, TN81 out of 100, Strong$502.5M14.5%0.63%vs
Southeast Financial Credit UnionCredit union Franklin, TN52 out of 100, Below average$466.8M8.0%0.85%vs
Fedex Employees Credit Association Federal Credit UnionCredit union Memphis, TN77 out of 100, Strong$641.1M14.2%1.04%vs
Consumer Credit UnionCredit union Greeneville, TN75 out of 100, Strong$660.5M10.7%0.10%vs
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs

Deposit insurance

Is my money safe at U. T. Federal Credit Union?

Yes. U. T. Federal Credit Union is a federally insured credit union (NCUA charter #19448). 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 8.3% of shares and deposits ($40.3M) 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 9.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

U. T. Federal Credit Union lists 9 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, U. T. Federal Credit Union reported 285 home-loan applications under HMDA (LEI 5493008XX3NZ5S384W16): 205 originated ($29,775,000 total), 51 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.1%, 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
U. T. Federal Credit Union
Type
Federal credit union
NCUA charter #
19448
RSSD ID
878281
Primary regulator
NCUA
Established
1969
Headquarters
P.O. Box 51848, Knoxville, TN 37950
Employees
102

Quick answers

U. T. Federal Credit Union: common questions

Is U. T. Federal Credit Union NCUA insured?

Yes. U. T. Federal Credit Union is a federally insured credit union (NCUA charter #19448). 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 U. T. Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 U. T. Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Knoxville

InstitutionScoreAssetsCapitalProblem loansCompare
Sevier County Schools Federal Credit UnionCredit union Sevierville, TN99 out of 100, Very strong$13.9M21.8%0.09%vs
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs