State credit union · MUSCLE SHOALS, Alabama · NCUA charter #68559
Tva Community Credit Union
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $416.2M
- Total assets
- 19,939
- Members
- 18.3%
- Net-worth ratio
Tva Community Credit Union scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $416.2M; members 19,939; net-worth ratio 18.28%; health rank #1,040 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,040 of 4,374 health · 2025Q4Tva Community Credit Union · health 90/100 · $416.2M · 2025Q4
Call Report peers
Tva Community Credit Union in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tva Community Credit Union vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tva Community Credit Union sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Tva Community Credit Union vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 18.28% vs peer 12.11% (+6.17 pp).
- Loan-to-Share Ratio trails the peer set - 44.88% here, 72.20% peer average (-27.32 pp).
Tva Community Credit Union in Alabama
- Alabama health ordinal: #16 of 89.
- By total assets, Tva Community Credit Union is #19 of 89 in Alabama.
- Alabama membership ordinal: #21 of 89.
- One place up in Alabama, ALABAMA (#15) scores 91/100, 1 point higher; one place down, MAX (#17) ties at 90/100.
How Tva Community Credit Union's 5300 filing moved
Tva Community Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $416.2M (2025Q4) to $424.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (18.39% → 18.28%).
At 18.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Tva Community Credit Union gives up 10 points in total. Member Growth costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 10.1 pts
Tva Community Credit Union health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.28% | +6.17 pp |
| Delinquency Rate | 0.28% | -0.61 pp |
| Return on Assets | 1.22% | +0.60 pp |
| Member Growth | 0.77% | - |
| Loan-to-Share Ratio | 44.88% | -27.32 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Tva Community Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $424.4M | - |
| 2025Q4 | $416.2M | 19,939 |
| 2024Q4 | $398.2M | 19,787 |
| 2023Q4 | $406.3M | 19,639 |
Credit Union Details
- Charter Number
- 68559
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- MUSCLE SHOALS
- Data Quarter
- 2025Q4
Branch Locations (10)
Tva Community Credit Union operates 10 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wilson Dam Road (Main Office) | Muscle Shoals, AL |
| Brown's Ferry Branch | Athens, AL |
| Athens Branch | Athens, AL |
| Mall Drive Branch | Florence, AL |
| Dr. Hicks Branch | Florence, AL |
| Cloverdale Branch | Florence, AL |
| Killen Branch | Killen, AL |
| Reservation Branch | Muscle Shoals, AL |
| Sheffield Branch | Sheffield, AL |
| Tuscumbia Branch | Tuscumbia, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Tva Community Credit Union nationwide neighbourhoods
Using this data
- Tva Community Credit Union ranks #1,040 of 4,374 nationally on financial health and #16 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coosa Pines is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coosa Pines
Frequently Asked Questions
Is Tva Community Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Tva Community Credit Union scores 90/100 (Excellent), with a 18.28% net worth ratio and 0.28% of loans delinquent. It ranks #1,040 of 4,374 nationally on health and #16 of 89 in Alabama.
How does Tva Community Credit Union compare to other credit unions?
Tva Community Credit Union scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (18.28% vs 12.11%). Its widest shortfall is loan-to-share ratio (44.88% vs 72.20%).
How can I join Tva Community Credit Union?
Membership eligibility for Tva Community Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tva Community Credit Union directly for current membership requirements and application steps.
Is my money safe at Tva Community Credit Union?
Tva Community Credit Union is a state-chartered 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. Tva Community Credit Union's net worth ratio of 18.28% 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.