Federal credit union · Alcoa, Tennessee · NCUA charter #1509
Alcoa Tenn
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $413.6M
- Total assets
- 22,070
- Members
- 13.5%
- Net-worth ratio
Alcoa Tenn scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $413.6M; members 22,070; net-worth ratio 13.52%; health rank #1,439 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,439 of 4,374 health · 2025Q4Alcoa Tenn · health 88/100 · $413.6M · 2025Q4
Call Report peers
Alcoa Tenn in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alcoa Tenn vs every NCUA-scored credit union
Alcoa Tenn sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Alcoa Tenn diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.41 pp (13.52% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 65.91% vs peer 72.20% (-6.29 pp).
Alcoa Tenn in Tennessee
- Tennessee health ordinal: #46 of 127.
- By total assets, Alcoa Tenn is #19 of 127 in Tennessee.
- Member book place in Tennessee: #22 of 127.
- One place up in Tennessee, Greater Eastern (#45) ties at 88/100; one place down, M.P.D. Community (#47) ties at 88/100.
Quarter path for Alcoa Tenn
Alcoa Tenn: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $413.6M (2025Q4) to $424.5M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.57% → 13.52%).
At 13.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Alcoa Tenn gives up 12 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.3 pts
Alcoa Tenn vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.52% | +1.41 pp |
| Delinquency Rate | 1.00% | +0.11 pp |
| Return on Assets | 1.41% | +0.78 pp |
| Member Growth | -0.17% | - |
| Loan-to-Share Ratio | 65.91% | -6.29 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Alcoa Tenn
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $424.5M | - |
| 2025Q4 | $413.6M | 22,070 |
| 2024Q4 | $399.7M | 22,107 |
| 2023Q4 | $378.6M | 25,508 |
Credit Union Details
- Charter Number
- 1509
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Alcoa
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Alcoa Tenn, spread across 3 cities.
| Office | City |
|---|---|
| ATFCU-Main Office (Main Office) | Alcoa, TN |
| ATFCU-Foothills Branch | Maryville, TN |
| ATFCU-Fairview Branch | Maryville, TN |
| ATFCU-Eagleton Branch | Maryville, TN |
| ATFCU-Tellico West Branch | Vonore, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Alcoa Tenn
Similar total assets
Using this data
- Alcoa Tenn ranks #1,439 of 4,374 nationally on financial health and #46 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMTRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMTRUST
Frequently Asked Questions
Is Alcoa Tenn financially healthy?
Alcoa Tenn has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,439 of 4,374 nationally on health and #46 of 127 in Tennessee. Its net worth ratio is 13.52% and its delinquency rate 1.00%.
How does Alcoa Tenn compare to other credit unions?
Alcoa Tenn scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.52% vs 12.11%). Its widest shortfall is loan-to-share ratio (65.91% vs 72.20%).
How can I join Alcoa Tenn?
Alcoa Tenn operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Alcoa Tenn directly for the exact boundaries and application steps.
Is my money safe at Alcoa Tenn?
Alcoa Tenn is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Alcoa Tenn's net worth ratio of 13.52% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.