Federal credit union · Chattanooga, Tennessee · NCUA charter #1520
Tennessee Valley
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $3.11B
- Total assets
- 174,941
- Members
- 14.6%
- Net-worth ratio
Tennessee Valley scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.11B; members 174,941; net-worth ratio 14.65%; health rank #233 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#233 of 4,374 health · 2025Q4Tennessee Valley · health 96/100 · $3.11B · 2025Q4
- CHARTER 96/100
- NCUSIF 14.6%
- CAMELS 0.79%
- HEALTH 1.54%
- NW $3.11B
- DELQ 174,941
- ROA #233/4,374
- ASSETS HARBORSTONE
- MEM 1520
Call Report peers
Tennessee Valley in the assets neighbourhood
Tennessee Valley's $3.11B assets sit next to HARBORSTONE ($3.07B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tennessee Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% 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
Tennessee Valley - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1520: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Tennessee Valley
- Net Worth Ratio leads the peer set - 14.65% here, 11.18% peer average (+3.47 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee Valley in Tennessee
- Health composite ranks #10 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #5 of 127.
- Member book place in Tennessee: #5 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Tennessee Valley's 5300 filing moved
Tennessee Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $3.11B (2025Q4) to $3.19B (2026Q1).
- Net-worth ratio shifted -0.03 pp (14.68% → 14.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 15.2 pts
Tennessee Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.65% | +3.47 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 1.54% | +1.03 pp |
| Member Growth | 3.94% | - |
| Loan-to-Share Ratio | 85.29% | +1.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Tennessee Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.19B | - |
| 2025Q4 | $3.11B | 174,941 |
| 2024Q4 | $2.86B | 168,303 |
| 2023Q4 | $2.62B | 165,017 |
Credit Union Details
- Charter Number
- 1520
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Chattanooga
- Data Quarter
- 2025Q4
Branch Locations (30)
Per its most recent NCUA branch filing, Tennessee Valley runs 30 offices in 18 different cities across 2 states.
| Office | City |
|---|---|
| Chattanooga - Admin (Main Office) | Chattanooga, TN |
| Athens Branch | Athens, TN |
| Chatsworth Food City | Chatsworth, GA |
| Hamilton Place Branch | Chattanooga, TN |
| City Center Branch | Chattanooga, TN |
| Eastgate Branch | Chattanooga, TN |
| Highway 58 Branch | Chattanooga, TN |
| Southside Branch | Chattanooga, TN |
| East Ridge Food City | Chattanooga, TN |
| Volkswagen Branch | Chattanooga, TN |
| Lee Highway Food City | Chattanooga, TN |
| Chickamauga Branch | Chickamauga, GA |
| North Cleveland Branch | Cleveland, TN |
| South Cleveland Branch | Cleveland, TN |
| West Cleveland Food City | Cleveland, TN |
| Dalton | Dalton, GA |
| Dayton Branch | Dayton, TN |
| Etowah Branch | Etowah, TN |
| Fort Oglethorpe Branch | Fort Oglethorpe, GA |
| Hixson Branch | Hixson, TN |
| Kimball Branch | Kimball, TN |
| Roper Branch | La Fayette, GA |
| Ocoee Food City Branch | Ocoee, TN |
| Ooltewah Branch | Ooltewah, TN |
| East Hamilton Food City | Ooltewah, TN |
| Red Bank Food City | Red Bank, TN |
| Ringgold Branch | Ringgold, GA |
| Highway 41 Food City | Ringgold, GA |
| Soddy Daisy Branch | Soddy Daisy, TN |
| Trenton Food City | Trenton, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Tennessee Valley - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.11B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Tennessee Valley ranks #233 of 4,374 nationally on financial health and #10 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Y-12 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Y-12
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Tennessee Valley financially healthy?
Tennessee Valley has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #233 of 4,374; by total assets it ranks #159 of 4,374 nationally (same basis as /rankings/largest); and #5 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.65% and delinquency rate of 0.79%.
How does Tennessee Valley compare to other credit unions?
On PlainCU's health composite, Tennessee Valley lands at 96/100, 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 Tennessee Valley?
Tennessee Valley 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 Tennessee Valley directly for the exact boundaries and application steps.
Is my money safe at Tennessee Valley?
Federal credit unions like Tennessee Valley 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. Tennessee Valley's net worth ratio of 14.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tennessee Valley offer compared to banks?
Credit unions like Tennessee Valley 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 Tennessee Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.