Trust Federal Credit Union Chattanooga, Tennessee
Trust Federal Credit Union is a federal credit union headquartered in Chattanooga, TN (NCUA charter 24629), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,535 members and total assets of $141.8M (up 5.4% from Q2 2025), the 35th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 11.65% at Q2 2026, in the well capitalized band.
Also written as Trust FCU · Trade name filed with the NCUA: River City United Credit Union
BankRegReports is independent of Trust Federal Credit Union and never asks for online banking logins or passwords.
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
- 24629
- Headquarters
- Chattanooga, TN
- Established
- Not reported
- Total assets, Q2 2026
- $141.8M
- Assets vs Q2 2025
- +5.4%
- Members, Q2 2026
- 7,535
- Net worth ratio, Q2 2026
- 11.65%
- Latest call report
- Q2 2026, NCUA 5300 · Trust Federal Credit Union call report
- Asset rank in state
- 35th of 123 in Tennessee
- Routing number
- 261388765
- Branches
- 3
It has 627 fewer members than on June 30, 2025 (-7.7%). Its net worth ratio was down 0.16 percentage points from 11.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $83.3M of $106.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.41% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.65% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Tennessee
Frequently asked about Trust Federal Credit Union
How big is Trust Federal Credit Union?
At Q2 2026 it reported total assets of $141.8M and 7,535 members.
Where is Trust Federal Credit Union headquartered?
It is headquartered in Chattanooga, TN, United States.
Is Trust Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24629): 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 Trust Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Trust Federal Credit Union well capitalized?
Its net worth ratio was 11.65% 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 Trust Federal Credit Union's delinquency ratio?
Its delinquency ratio was 3.41% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Trust Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chattanooga, TN 37415
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 24629
- RSSD ID
- 392198
- Members
- 7,535
- Potential members
- 120,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.65% | 11.43% | 53rd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.34% | 0.81% | 19th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.89% | 7.02% | 18th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.37% | 3.70% | 30th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 90.05% | 76.55% | 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.02% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 3.41% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.39% | 4.92% | 76th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 85.84% | 75.66% | 74th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$141.8M total assets against $134.5M; $123.7M total shares and deposits against $116.7M; $106.2M total loans against $99.6M.
$16.5M net worth against $15.9M.
11.65% net worth ratio against 11.81%.
85.84% loan-to-share ratio against 85.35%.
3.41% delinquency ratio against 2.76%.
0.34% return on assets against 0.36%; 2.89% return on equity against 3.07%.
3.37% net interest margin against 3.68%.
7,535 members against 8,162.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.65% | 0.34% | 3.41% | 85.84% |
| March 31, 2026 | 11.68% | 0.39% | 1.66% | 86.06% |
| December 31, 2025 | 11.92% | 0.42% | 1.96% | 87.01% |
| September 30, 2025 | 12.11% | 0.84% | 2.92% | 87.09% |
| June 30, 2025 | 11.81% | 0.36% | 2.76% | 85.35% |
| March 31, 2025 | 11.80% | 0.27% | 1.78% | 85.52% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.