State credit union · Knoxville, Tennessee · NCUA charter #68085
Knoxville Tva Employees
Health score 98/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $5.14B
- Total assets
- 303,836
- Members
- 10.6%
- Net-worth ratio
Knoxville Tva Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68085. See our deposit-insurance coverage note.
Knoxville Tva Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)87
Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.62% | 30% |
| Delinquency Rate | 0.52% | 25% |
| Return on Assets | 1.26% | 15% |
| Member Growth | 5.71% | 15% |
| Loan-to-Share Ratio | 94.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.14B | 303,836 |
| 2024Q4 | $4.62B | 287,427 |
| 2023Q4 | $4.30B | 275,896 |
Credit Union Details
- Charter Number
- 68085
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Knoxville
- Data Quarter
- 2025Q4
What This Data Says About Knoxville Tva Employees
Charter #68085, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Knoxville Tva Employees, a state credit union in Knoxville, Tennessee with 303,836 members, $5.14B in total assets, and $4.17B in outstanding loans as of Q4 2025. The five-factor composite scores it 98/100 (Excellent), helped by a net worth ratio of 10.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.52% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 94.19% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.26% on net income of $64.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.71%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Knoxville Tva Employees financially healthy?
Yes/no aside, the number is 98/100 (Excellent) - Knoxville Tva Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.62% net worth ratio and 0.52% delinquency rate are the key drivers.
How does Knoxville Tva Employees compare to other credit unions?
On PlainCU's health composite, Knoxville Tva Employees lands at 98/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Knoxville Tva Employees?
Membership eligibility for Knoxville Tva Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Knoxville Tva Employees directly for current membership requirements and application steps.
Is my money safe at Knoxville Tva Employees?
Federal credit unions like Knoxville Tva Employees are 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. Knoxville Tva Employees's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Knoxville Tva Employees offer compared to banks?
Credit unions like Knoxville Tva Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Knoxville Tva Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.