Credit Union Safety Analysis
Is U T Federal Credit Union Safe? Knoxville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, U T Federal Credit Union has a net worth ratio of 9.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.19%, 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, U T Federal Credit Union's net worth ratio is 9.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.68%
- Delinquency ratio (60+ days) (Q2 2026): 0.19%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 95.16%
U T Federal Credit Union (NCUA charter 19448, established 1969) reported $553.9M in assets and 25,540 members for Q2 2026 from Knoxville, Tennessee. It ranks 15 of 123 credit unions in Tennessee by total assets. Total assets grew 3.6% from $534.8M on June 30, 2025. It has 203 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.12 percentage points from 9.56% on June 30, 2025. New vehicle loans are its largest loan category, $150.6M of $463.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.19% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.26% for Q1 2026; 9.56% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.15% for Q1 2026; 0.10% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.41% for Q1 2026; 0.60% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 91.70% for Q1 2026; 99.35% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $150.6M
- 1- to 4-family residential and other consumer real estate loans: $147.1M
- Commercial loans: $137.0M
- Used vehicle loans: $13.9M
- Other unsecured loans and lines of credit: $5.5M
- Unsecured credit card loans: $4.9M
- Other secured non-real estate loans and lines of credit: $4.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $553.9M | 9.68% | 0.19% | 0.48% | 95.16% |
| March 31, 2026 | $572.1M | 9.26% | 0.15% | 0.41% | 91.70% |
| December 31, 2025 | $561.6M | 9.35% | 0.18% | 0.46% | 95.40% |
| September 30, 2025 | $551.8M | 9.40% | 0.17% | 0.54% | 99.16% |
| June 30, 2025 | $534.8M | 9.56% | 0.10% | 0.60% | 99.35% |
| March 31, 2025 | $539.4M | 9.33% | 0.12% | 0.45% | 94.14% |
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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.
U T Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19448) · FFIEC NIC profile (RSSD 878281)
Frequently asked questions
Is U T Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, U T Federal Credit Union's net worth ratio is 9.68%, above the 7% NCUA threshold for well capitalized.
Is U T Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. U T Federal Credit Union is a federally insured credit union (NCUA charter 19448): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are U T Federal Credit Union's key safety ratios?
For Q2 2026, U T Federal Credit Union reports net worth 9.68%, delinquency 0.19%, ROA 0.48%, loan-to-share 95.16%.
What happens to my money if U T Federal Credit Union fails?
For Q2 2026, U T Federal Credit Union held $486.5M in shares and deposits for 25,540 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.