Tennessee Valley Federal Credit Union Chattanooga, Tennessee
Tennessee Valley Federal Credit Union is a federal credit union headquartered in Chattanooga, TN, established in 1936 (NCUA charter 1520), and it is regulated and insured by the NCUA. At Q2 2026 it reported 181,021 members and total assets of $3.26B (up 10.9% from Q2 2025), the 5th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 14.75% at Q2 2026, in the well capitalized band.
Also written as Tennessee Valley 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
- 1520
- Headquarters
- Chattanooga, TN
- Established
- 1936
- Total assets, Q2 2026
- $3.26B
- Assets vs Q2 2025
- +10.9%
- Members, Q2 2026
- 181,021
- Net worth ratio, Q2 2026
- 14.75%
- Latest call report
- Q2 2026, NCUA 5300 · Tennessee Valley Federal Credit Union call report
- Asset rank in state
- 5th of 123 in Tennessee
- Routing number
- 261375684
- Branches
- 30
It has 8,657 more members than on June 30, 2025 (+5.0%). Its net worth ratio was up 0.09 percentage points from 14.66% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.00B of $2.41B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 14.75% net worth ratio is above that band's 10.89% median.
Credit unions merged into Tennessee Valley Federal Credit Union
Roper Corporation Employees Credit Union (2021) · Chattanooga Coca-Cola Employees Federal Credit Union (2015)
Frequently asked about Tennessee Valley Federal Credit Union
How big is Tennessee Valley Federal Credit Union?
At Q2 2026 it reported total assets of $3.26B and 181,021 members.
Where is Tennessee Valley Federal Credit Union headquartered?
It is headquartered in Chattanooga, TN, United States.
When was Tennessee Valley Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Tennessee Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1520): 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 Tennessee Valley Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tennessee Valley Federal Credit Union well capitalized?
Its net worth ratio was 14.75% 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 Tennessee Valley Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tennessee Valley Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.75% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chattanooga, TN 37402
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1520
- RSSD ID
- 426374
- Members
- 181,021
- Potential members
- 1,041,503
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 14.75% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.60% | 0.89% | 88th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.82% | 8.07% | 74th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.90% | 3.45% | 79th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 64.02% | 70.59% | 72nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.48% | 1.68% | 66th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.77% | 0.68% | 44th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.38% | 5.12% | 69th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 87.75% | 88.03% | 49th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.26B total assets against $2.94B; $2.75B total shares and deposits against $2.48B; $2.41B total loans against $2.17B.
$480.5M net worth against $430.9M.
14.75% net worth ratio against 14.66%.
87.75% loan-to-share ratio against 87.46%.
0.77% delinquency ratio against 0.70%.
1.60% return on assets against 1.72%; 10.82% return on equity against 11.75%.
3.90% net interest margin against 4.05%.
181,021 members against 172,364.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.75% | 1.60% | 0.77% | 87.75% |
| March 31, 2026 | 14.65% | 1.45% | 0.50% | 87.79% |
| December 31, 2025 | 14.68% | 1.58% | 0.79% | 85.29% |
| September 30, 2025 | 14.93% | 1.72% | 0.81% | 89.03% |
| June 30, 2025 | 14.66% | 1.72% | 0.70% | 87.46% |
| March 31, 2025 | 14.35% | 1.52% | 0.51% | 85.21% |
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.