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
NCUA 5300 Call Report Masthead
#3,152 of 4,374 health · 2025Q4Tva Mid-South · health 76/100 · $3.4M · 2025Q4
- ROA 76/100
- ASSETS 17.1%
- MEM 0.00%
- RANK 0.08%
- PHOTO $3.4M
- BOOK 171
- CHARTER #3,152/4,374
- NCUSIF n/a
- CAMELS 16520
Tva Mid-South carries $3.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tva Mid-South 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
76 26th percentile higher than 26% 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 Mid-South - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16520 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Tva Mid-South: 2025Q4 → 2026Q1
Tva Mid-South: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $3.4M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted +0.39 pp (16.72% → 17.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Tva Mid-South, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 Tva Mid-South financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Tva Mid-South's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,152 of 4,374; by total assets it ranks #4,018 of 4,374 nationally (same basis as /rankings/largest); and #118 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.11% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Tva Mid-South compare to other credit unions?
PlainCU's health composite puts Tva Mid-South at 76/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Tva Mid-South 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 Mid-South's net worth ratio of 17.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tva Mid-South offer compared to banks?
Credit unions like Tva Mid-South 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 Mid-South 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.