Charter 24629 · Chattanooga, TN
Trust Federal Credit Union
Trust Federal Credit Union is a federally chartered credit union in Chattanooga, Tennessee, with $142 million in assets and 7,535 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.65%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as River City United Credit Union.
- Total assets
- $142 million
- +5.4% in a year
- Members
- 7,535
- -7.7% in a year
- Net worth ratio
- 11.65%
- Peer median 11.65%
- Loans 60+ days late
- 3.41%
- Peer median 0.70%
- Loans outstanding
- $106 million
- +6.7% in a year
- Shares and deposits
- $124 million
- +6.1% in a year
- Branches
- 3
- 31 employees
- Opened
- 1934
- Federal charter
How Trust Federal Credit Union compares
NCUA groups credit unions by size; Trust Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.65% is about the same as that group's median of 11.65%, and its share of loans 60 or more days past due, 3.41%, is higher than the group median of 0.70%. Loans grew 6.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 35 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 | $142 million | 7,535 | $106 million | 11.65% | 3.41% |
| Q1 2026 | $140 million | 7,617 | $106 million | 11.68% | 1.66% |
| Q4 2025 | $136 million | 7,704 | $104 million | 11.92% | 1.96% |
| Q3 2025 | $133 million | 7,932 | $101 million | 12.11% | 2.92% |
| Q2 2025 | $134 million | 8,162 | $99.6 million | 11.81% | 2.76% |
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 120,000 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 3 sites for Trust 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.
- Northgate Branch
2186 Northgate Park Ln, Chattanooga, TN 37415 - Main Office (main office)
555 Walnut St Ste 100, Chattanooga, TN 37402 - Gunbarrel Branch
1529 Gunbarrel Rd, Chattanooga, TN 37421
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