Cleveland-Bradley County Teachers Federal Credit Union Cleveland, Tennessee
Cleveland-Bradley County Teachers Federal Credit Union is a federal credit union headquartered in Cleveland, TN, established in 1961 (NCUA charter 14677), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,391 members and total assets of $74.1M (up 2.8% from Q2 2025), the 53rd largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 12.88% at Q2 2026, in the well capitalized band.
Also written as Cleveland-Bradley County Teachers FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14677
- Headquarters
- Cleveland, TN
- Established
- 1961
- Total assets, Q2 2026
- $74.1M
- Assets vs Q2 2025
- +2.8%
- Members, Q2 2026
- 4,391
- Net worth ratio, Q2 2026
- 12.88%
- Latest call report
- Q2 2026, NCUA 5300 · Cleveland-Bradley County Teachers Federal Credit Union call report
- Asset rank in state
- 53rd of 123 in Tennessee
- Routing number
- 264278568
- Branches
- 2
It has 76 more members than on June 30, 2025 (+1.8%). Its net worth ratio was up 0.38 percentage points from 12.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.2M of $24.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.88% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about Cleveland-Bradley County Teachers Federal Credit Union
How big is Cleveland-Bradley County Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $74.1M and 4,391 members.
Where is Cleveland-Bradley County Teachers Federal Credit Union headquartered?
It is headquartered in Cleveland, TN, United States.
When was Cleveland-Bradley County Teachers Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Cleveland-Bradley County Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14677): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Cleveland-Bradley County Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Cleveland-Bradley County Teachers Federal Credit Union well capitalized?
Its net worth ratio was 12.88% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Cleveland-Bradley County Teachers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.51% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cleveland-Bradley County Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cleveland, TN 37311
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14677
- RSSD ID
- 787888
- Members
- 4,391
- Potential members
- 5,200
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.88% | 14.31% | 39th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.22% | 0.72% | 72nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.51% | 4.74% | 78th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.74% | 3.93% | 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 62.09% | 79.83% | 84th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.94% | 0.78% | 41st below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.51% | 0.86% | 67th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.68% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.49% | 58.92% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$74.1M total assets against $72.0M; $63.9M total shares and deposits against $62.8M; $24.0M total loans against $25.4M.
$9.5M net worth against $9.0M.
12.88% net worth ratio against 12.50%.
37.49% loan-to-share ratio against 40.48%.
0.51% delinquency ratio against 0.80%.
1.22% return on assets against 1.06%; 9.51% return on equity against 8.46%.
2.74% net interest margin against 2.49%.
4,391 members against 4,315.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.88% | 1.22% | 0.51% | 37.49% |
| March 31, 2026 | 12.68% | 0.88% | 0.65% | 37.04% |
| December 31, 2025 | 12.39% | -0.28% | 0.74% | 38.55% |
| September 30, 2025 | 12.53% | 1.08% | 0.45% | 39.62% |
| June 30, 2025 | 12.50% | 1.06% | 0.80% | 40.48% |
| March 31, 2025 | 12.68% | 1.18% | 0.50% | 42.75% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.