Charter 1520 · Chattanooga, TN
Tennessee Valley Federal Credit Union
Tennessee Valley Federal Credit Union is a federally chartered credit union in Chattanooga, Tennessee, with $3.26 billion in assets and 181,021 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.75%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $3.26 billion
- +10.9% in a year
- Members
- 181,021
- +5.0% in a year
- Net worth ratio
- 14.75%
- Peer median 10.79%
- Loans 60+ days late
- 0.77%
- Peer median 0.67%
- Loans outstanding
- $2.41 billion
- +11.2% in a year
- Shares and deposits
- $2.75 billion
- +10.9% in a year
- Branches
- 30
- 559 employees
- Opened
- 1936
- Federal charter
How Tennessee Valley Federal Credit Union compares
NCUA groups credit unions by size; Tennessee Valley Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 14.75% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.77%, is higher than the group median of 0.67%. Loans grew 11.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 5 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $3.26 billion | 181,021 | $2.41 billion | 14.75% | 0.77% |
| Q1 2026 | $3.19 billion | 178,561 | $2.37 billion | 14.65% | 0.50% |
| Q4 2025 | $3.11 billion | 174,941 | $2.24 billion | 14.68% | 0.79% |
| Q3 2025 | $2.97 billion | 174,210 | $2.23 billion | 14.93% | 0.81% |
| Q2 2025 | $2.94 billion | 172,364 | $2.17 billion | 14.66% | 0.70% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.0 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 30 sites for Tennessee Valley Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Chattanooga - Admin (main office)
535 Chestnut St, Chattanooga, TN 37402 - Hamilton Place Branch
7442 Commons Blvd, Chattanooga, TN 37421 - City Center Branch
728 Market St, Chattanooga, TN 37402 - Eastgate Branch
491 Greenway View Dr, Chattanooga, TN 37411 - Highway 58 Branch
4974 Highway 58, Chattanooga, TN 37416 - Hixson Branch
5150 Austin Rd, Hixson, TN 37343 - Kimball Branch
405 Dixie Lee Center Rd, Kimball, TN 37347 - North Cleveland Branch
180 Stuart Xing Ne, Cleveland, TN 37312 - Ooltewah Branch
6007 Relocation Way, Ooltewah, TN 37363 - Soddy Daisy Branch
9381 Dayton Pike, Soddy Daisy, TN 37379 - South Cleveland Branch
2440 Treasury Dr Se, Cleveland, TN 37323 - Athens Branch
1314 Decatur Pike, Athens, TN 37303 - Fort Oglethorpe Branch
200 Alamar St, Fort Oglethorpe, GA 30742 - Ringgold Branch
35 Poplar Springs Rd, Ringgold, GA 30736 - East Hamilton Food City
1667 Ooltewah Ringgold Rd, Ooltewah, TN 37363 - Red Bank Food City
3901 Dayton Blvd, Red Bank, TN 37415 - Highway 41 Food City
150 Highway 41, Ringgold, GA 30736 - Southside Branch
125 W 20Th St, Chattanooga, TN 37408 - Chickamauga Branch
13176 N Hwy 27, Chickamauga, GA 30707 - Dayton Branch
3475 Rhea County Hwy, Dayton, TN 37321 - Etowah Branch
841 Us 411 N, Etowah, TN 37331 - Roper Branch
1507 Broomtown Rd, La Fayette, GA 30728 - East Ridge Food City
3636 Ringgold Rd, Chattanooga, TN 37412 - Chatsworth Food City
502 Gi Maddox Pkwy, Chatsworth, GA 30705 - Dalton
920 Vista Dr, Dalton, GA 30721 - Volkswagen Branch
8001 Volkswagen Dr, Chattanooga, TN 37416 - West Cleveland Food City
4615 Georgetown Rd Nw, Cleveland, TN 37312 - Ocoee Food City Branch
125 White Water Dr, Ocoee, TN 37361 - Lee Highway Food City
6651 Lee Hwy, Chattanooga, TN 37421 - Trenton Food City
112 Crimson Dr, Trenton, GA 30752
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology