Credit Union Safety Analysis
Is Cleveland-Bradley County Teachers Federal Credit Union Safe? Cleveland, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Cleveland-Bradley County Teachers Federal Credit Union has a net worth ratio of 12.88%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.51%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Cleveland-Bradley County Teachers Federal Credit Union's net worth ratio is 12.88%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.88%
- Delinquency ratio (60+ days) (Q2 2026): 0.51%
- Return on assets (Q2 2026): 1.22%
- Loan-to-share ratio (Q2 2026): 37.49%
Cleveland-Bradley County Teachers Federal Credit Union (NCUA charter 14677, established 1961) reported $74.1M in assets and 4,391 members for Q2 2026 from Cleveland, Tennessee. It ranks 53 of 123 credit unions in Tennessee by total assets. Total assets grew 2.8% from $72.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.68% for Q1 2026; 12.50% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.65% for Q1 2026; 0.80% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.88% for Q1 2026; 1.06% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 37.04% for Q1 2026; 40.48% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $11.2M
- Used vehicle loans: $7.7M
- New vehicle loans: $2.3M
- Other secured non-real estate loans and lines of credit: $1.6M
- Other unsecured loans and lines of credit: $901K
- Unsecured credit card loans: $272K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $74.1M | 12.88% | 0.51% | 1.22% | 37.49% |
| March 31, 2026 | $73.5M | 12.68% | 0.65% | 0.88% | 37.04% |
| December 31, 2025 | $73.9M | 12.39% | 0.74% | -0.28% | 38.55% |
| September 30, 2025 | $73.5M | 12.53% | 0.45% | 1.08% | 39.62% |
| June 30, 2025 | $72.0M | 12.50% | 0.80% | 1.06% | 40.48% |
| March 31, 2025 | $69.5M | 12.68% | 0.50% | 1.18% | 42.75% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Cleveland-Bradley County Teachers Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14677) · FFIEC NIC profile (RSSD 787888)
Frequently asked questions
Is Cleveland-Bradley County Teachers Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cleveland-Bradley County Teachers Federal Credit Union's net worth ratio is 12.88%, above the 7% NCUA threshold for well capitalized.
Is Cleveland-Bradley County Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cleveland-Bradley County Teachers Federal Credit Union is a federally insured credit union (NCUA charter 14677): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cleveland-Bradley County Teachers Federal Credit Union's key safety ratios?
For Q2 2026, Cleveland-Bradley County Teachers Federal Credit Union reports net worth 12.88%, delinquency 0.51%, ROA 1.22%, loan-to-share 37.49%.
What happens to my money if Cleveland-Bradley County Teachers Federal Credit Union fails?
For Q2 2026, Cleveland-Bradley County Teachers Federal Credit Union held $63.9M in shares and deposits for 4,391 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.