Federal credit union · Memphis, Tennessee · NCUA charter #16520
Tva Mid-South
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $3.4M
- Total assets
- 171
- Members
- 17.1%
- Net-worth ratio
Tva Mid-South scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.4M; members 171; net-worth ratio 17.11%; health rank #3,152 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
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Tva Mid-South vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tva Mid-South sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Tva Mid-South vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 31.99% here, 63.60% peer average (-31.61 pp).
Tva Mid-South in Tennessee
- Tennessee health ordinal: #95 of 127.
- Assets rank #118 of 127 inside Tennessee ($3.4M reported).
- Tennessee membership ordinal: #126 of 127.
- One place up in Tennessee, F a a (#94) ties at 76/100; one place down, Dixie Line (#96) ties at 76/100.
Tva Mid-South: 2025Q4 → 2026Q1
Tva Mid-South: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $3.4M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted +0.39 pp (16.72% → 17.11%).
At 17.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Tva Mid-South gives up 24 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 9.1 pts
Tva Mid-South vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.11% | -1.95 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.08% | -0.37 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 31.99% | -31.61 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Tva Mid-South quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.4M | 171 |
| 2024Q4 | $3.5M | 176 |
| 2023Q4 | $3.5M | 176 |
Credit Union Details
- Charter Number
- 16520
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- Memphis
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Tva Mid-South runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Memphis, TN |
| Remote site | Atoka, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Tva Mid-South nationwide neighbourhoods
Similar health score
Using this data
- Tva Mid-South ranks #3,152 of 4,374 nationally on financial health and #95 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Basf Chattanooga is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Basf Chattanooga
Frequently Asked Questions
Is Tva Mid-South financially healthy?
On its 2025Q4 NCUA 5300 filing, Tva Mid-South scores 76/100 (Very Good), with a 17.11% net worth ratio and 0.00% of loans delinquent. It ranks #3,152 of 4,374 nationally on health and #95 of 127 in Tennessee.
How does Tva Mid-South compare to other credit unions?
Tva Mid-South scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (31.99% vs 63.60%).
How can I join Tva Mid-South?
Tva Mid-South 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 Tva Mid-South directly for the exact boundaries and application steps.
Is my money safe at Tva Mid-South?
Tva Mid-South 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. Tva Mid-South's net worth ratio of 17.11% 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.