Home › Leagues › Tennessee/Mississippi Credit Union League › Performance
Tennessee/Mississippi Credit Union League's Member Performance
How the 181 credit unions across Tennessee/Mississippi Credit Union League's footprint are performing — measured against every U.S. credit union, straight from the public NCUA Call Report.
Footprint: Mississippi, Tennessee.
NCUA data through Q1 2026.
Tennessee/Mississippi's 181 credit unions serve 3,540,340 members and hold $57.99B in combined assets. The median Tennessee/Mississippi credit union earned a 0.72% 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/Mississippi credit unions was -0.50%, compared with -0.55% nationally. Median one-year asset growth was 2.66%, compared with 2.78% nationally. So far this year, one Tennessee/Mississippi credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Tennessee/Mississippi at a glance
Tennessee/Mississippi vs. the United States
System totals are the sum of every credit union in Tennessee/Mississippi. The share column is Tennessee/Mississippi's portion of the national figure.
| Measure | Tennessee/Mississippi | United States | Tennessee/Mississippi share |
|---|---|---|---|
| Credit unions | 181 | 4,335 | 4.2% |
| Members | 3,540,340 | 147,031,529 | 2.4% |
| Residents (population) | 10,170,795 | 340,110,988 | 3.0% |
| Total assets | $57.99B | $2,507.50B | 2.3% |
| Total loans | $41.85B | $1,744.86B | 2.4% |
| Total shares & deposits | $48.40B | $2,143.21B | 2.3% |
| Total net worth | $7.64B | $282.23B | 2.7% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Tennessee/Mississippi credit unions report about 35 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/Mississippi credit unions serve members in other states, so it overstates true in-state penetration.)
The median Tennessee/Mississippi 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/Mississippi CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.72% | 0.66% |
| Net worth ratio | 14.38% | 12.44% |
| Loan-to-share ratio | 67.20% | 67.86% |
| Delinquency ratio | 0.58% | 0.63% |
| Net charge-off ratio | 0.50% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | -0.50% | -0.55% |
| Asset growth (1 yr) | 2.66% | 2.78% |
| Loan growth (1 yr) | -0.24% | 0.63% |
| Share growth (1 yr) | 2.05% | 2.36% |
| Net worth growth (1 yr) | 4.95% | 5.57% |
Trends over time
The median Tennessee/Mississippi credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.75% · 0.72%
— Tennessee/Mississippi ‑‑ U.S.
Net worth ratio 14.50% · 12.46%
— Tennessee/Mississippi ‑‑ U.S.
Loan-to-share ratio 69.71% · 69.70%
— Tennessee/Mississippi ‑‑ U.S.
Delinquency ratio 0.76% · 0.72%
— Tennessee/Mississippi ‑‑ U.S.
Asset growth (1 yr) 3.24% · 3.26%
— Tennessee/Mississippi ‑‑ U.S.
Member growth (1 yr) -0.60% · -0.52%
— Tennessee/Mississippi ‑‑ U.S.
Tennessee/Mississippi leaderboards
Largest by assets
- 1 Eastman Credit Union $10.14B
- 2 Keesler Credit Union $5.24B
- 3 Knoxville TVA Employees Credit Union $5.23B
- 4 ORNL Credit Union $4.81B
- 5 Ascend Credit Union $4.75B
- 6 Tennessee Valley Credit Union $3.19B
- 7 Y-12 Credit Union $2.77B
- 8 Leaders Credit Union $1.31B
- 9 Memphis Area Teachers' Credit Union $1.30B
- 10 Enrichment Credit Union $972.5M
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 Meridian Mutual Credit Union 16.94%
- 3 ORNL Credit Union 12.16%
- 4 Southern Railway Employees Credit Union 11.64%
- 5 Central Sunbelt Credit Union 11.30%
- 6 Copper Basin Credit Union 11.27%
- 7 Leaders Credit Union 10.87%
- 8 Knoxville TVA Employees Credit Union 10.19%
- 9 Tennessee Valley Credit Union 9.47%
- 10 Johnsonville TVA Employees Credit Union 8.38%
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/Mississippi's footprint (MS, TN) 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.