State credit union · MUSCLE SHOALS, Alabama · NCUA charter #68559
Tva Community Credit Union
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $416.2M
- Total assets
- 19,939
- Members
- 13.2%
- Net-worth ratio
Tva Community Credit Union - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68559 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Tva Community Credit Union - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)67
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.17% | 30% |
| Delinquency Rate | 0.28% | 25% |
| Return on Assets | 1.22% | 15% |
| Member Growth | 0.77% | 15% |
| Loan-to-Share Ratio | 44.88% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Tva Community Credit Union
Charter #68559, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Tva Community Credit Union, a state credit union in MUSCLE SHOALS, Alabama with 19,939 members, $416.2M in total assets, and $162.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 90/100 (Excellent), helped by a net worth ratio of 13.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 44.88% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.28% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 1.22% on net income of $5.1M 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 0.77%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 Tva Community Credit Union financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Tva Community Credit Union's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.17% net worth ratio and 0.28% delinquency rate are the key drivers.
How does Tva Community Credit Union compare to other credit unions?
Five weighted metrics from NCUA filings produce Tva Community Credit Union's 90/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Tva Community Credit Union 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. Tva Community Credit Union's net worth ratio of 13.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tva Community Credit Union offer compared to banks?
Credit unions like Tva Community Credit Union 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 Tva Community Credit Union 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.