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Tennessee Credit Union Performance
How the 126 credit unions based in Tennessee are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Tennessee's 126 credit unions serve 2,719,434 members and hold $48.21B in combined assets. The median Tennessee credit union earned a 0.71% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Tennessee credit unions was -0.96%, compared with -0.55% nationally. Median one-year asset growth was 3.21%, compared with 2.78% nationally. So far this year, one Tennessee credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Tennessee at a glance
Tennessee vs. the United States
System totals are the sum of every credit union based in Tennessee. The share column is Tennessee's portion of the national figure.
| Measure | Tennessee | United States | Tennessee share |
|---|---|---|---|
| Credit unions | 126 | 4,335 | 2.9% |
| Members | 2,719,434 | 147,031,529 | 1.8% |
| Residents (population) | 7,227,750 | 340,110,988 | 2.1% |
| Total assets | $48.21B | $2,507.50B | 1.9% |
| Total loans | $35.44B | $1,744.86B | 2.0% |
| Total shares & deposits | $40.53B | $2,143.21B | 1.9% |
| Total net worth | $6.35B | $282.23B | 2.2% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Tennessee credit unions report about 38 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Tennessee credit unions serve members in other states, so it overstates true in-state penetration.)
The median Tennessee credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Tennessee CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.71% | 0.66% |
| Net worth ratio | 13.89% | 12.44% |
| Loan-to-share ratio | 69.01% | 67.86% |
| Delinquency ratio | 0.54% | 0.63% |
| Net charge-off ratio | 0.40% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | -0.96% | -0.55% |
| Asset growth (1 yr) | 3.21% | 2.78% |
| Loan growth (1 yr) | -0.52% | 0.63% |
| Share growth (1 yr) | 2.37% | 2.36% |
| Net worth growth (1 yr) | 5.15% | 5.57% |
Trends over time
The median Tennessee credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.64% · 0.72%
— Tennessee ‑‑ U.S.
Net worth ratio 14.03% · 12.46%
— Tennessee ‑‑ U.S.
Loan-to-share ratio 72.40% · 69.70%
— Tennessee ‑‑ U.S.
Delinquency ratio 0.68% · 0.72%
— Tennessee ‑‑ U.S.
Asset growth (1 yr) 3.40% · 3.26%
— Tennessee ‑‑ U.S.
Member growth (1 yr) -0.94% · -0.52%
— Tennessee ‑‑ U.S.
Tennessee leaderboards
Largest by assets
- 1 Eastman Credit Union $10.14B
- 2 Knoxville TVA Employees Credit Union $5.23B
- 3 ORNL Credit Union $4.81B
- 4 Ascend Credit Union $4.75B
- 5 Tennessee Valley Credit Union $3.19B
- 6 Y-12 Credit Union $2.77B
- 7 Leaders Credit Union $1.31B
- 8 Memphis Area Teachers' Credit Union $1.30B
- 9 Enrichment Credit Union $972.5M
- 10 Fort Campbell Credit Union $938.9M
Highest return on assets
- 1 Copper Basin Credit Union 2.61%
- 2 Fort Campbell Credit Union 2.15%
- 3 Heritage South Community CU 2.06%
- 4 Fleetguard Credit Union 1.94%
- 5 FAA Credit Union 1.92%
- 6 First South Financial Credit Union 1.91%
- 7 Eastman Credit Union 1.86%
- 8 Johnsonville TVA Employees Credit Union 1.79%
- 9 Holley Credit Union 1.74%
- 10 Southern Railway Employees Credit Union 1.72%
Fastest-growing (organic)
- 1 Y-12 Credit Union 25.76%
- 2 ORNL Credit Union 12.16%
- 3 Southern Railway Employees Credit Union 11.64%
- 4 Copper Basin Credit Union 11.27%
- 5 Leaders Credit Union 10.87%
- 6 Knoxville TVA Employees Credit Union 10.19%
- 7 Tennessee Valley Credit Union 9.47%
- 8 Johnsonville TVA Employees Credit Union 8.38%
- 9 Federal Building Credit Union 8.30%
- 10 Eastman Credit Union 8.00%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Tennessee that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.