TVA Mid-South Federal Credit Union Memphis, Tennessee
TVA Mid-South Federal Credit Union is a federal credit union headquartered in Memphis, TN, established in 1964 (NCUA charter 16520), and it is regulated and insured by the NCUA. At Q2 2026 it reported 187 members and total assets of $3.2M (down 8.3% from Q2 2025), the 115th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 17.37% at Q2 2026, in the well capitalized band.
Also written as TVA Mid-South FCU
BankRegReports is independent of TVA Mid-South 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
- 16520
- Headquarters
- Memphis, TN
- Established
- 1964
- Total assets, Q2 2026
- $3.2M
- Assets vs Q2 2025
- -8.3%
- Members, Q2 2026
- 187
- Net worth ratio, Q2 2026
- 17.37%
- Latest call report
- Q2 2026, NCUA 5300 · TVA Mid-South Federal Credit Union call report
- Asset rank in state
- 115th of 123 in Tennessee
- Routing number
- 284085317
- Branches
- 2
It has 12 more members than on June 30, 2025 (+6.9%). Its net worth ratio was up 1.32 percentage points from 16.05% on June 30, 2025. New vehicle loans are its largest loan category, $533K of $808K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Tennessee
Frequently asked about TVA Mid-South Federal Credit Union
How big is TVA Mid-South Federal Credit Union?
At Q2 2026 it reported total assets of $3.2M and 187 members.
Where is TVA Mid-South Federal Credit Union headquartered?
It is headquartered in Memphis, TN, United States.
When was TVA Mid-South Federal Credit Union founded?
It was established in 1964, per NCUA records.
Is TVA Mid-South Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16520): 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 TVA Mid-South Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is TVA Mid-South Federal Credit Union well capitalized?
Its net worth ratio was 17.37% 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 TVA Mid-South Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 30.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Memphis, TN 38109
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 16520
- RSSD ID
- 808381
- Members
- 187
- Potential members
- 300
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 0 of 6 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: 11.14% to 19.38% | 17.37% | 14.31% | 65th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.02% | 0.72% | 22nd bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.13% | 4.74% | 22nd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.65% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 105.11% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.65% | 0.78% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.30% | 4.70% | 30th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 30.35% | 58.92% | 12th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.2M total assets against $3.5M; $2.7M total shares and deposits against $2.9M; $808K total loans against $911K.
$562K net worth against $566K.
17.37% net worth ratio against 16.05%.
30.35% loan-to-share ratio against 30.88%.
-0.02% return on assets against 0.49%; -0.13% return on equity against 3.05%.
2.65% net interest margin against 3.08%.
187 members against 175.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.37% | -0.02% | — | 30.35% |
| March 31, 2026 | 17.11% | 0.20% | — | 32.21% |
| December 31, 2025 | 16.72% | -1.05% | — | 31.99% |
| September 30, 2025 | 16.85% | 0.37% | — | 33.83% |
| June 30, 2025 | 16.05% | 0.49% | — | 30.88% |
| March 31, 2025 | 15.88% | 0.41% | — | 30.35% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.