Charter 19448 · Knoxville, TN
U. T. Federal Credit Union
U. T. Federal Credit Union is a federally chartered credit union in Knoxville, Tennessee, with $554 million in assets and 25,540 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.68%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $554 million
- +3.6% in a year
- Members
- 25,540
- -0.8% in a year
- Net worth ratio
- 9.68%
- Peer median 10.79%
- Loans 60+ days late
- 0.19%
- Peer median 0.67%
- Loans outstanding
- $463 million
- +2.7% in a year
- Shares and deposits
- $487 million
- +7.2% in a year
- Branches
- 8
- 102 employees
- Opened
- 1969
- Federal charter
How U. T. Federal Credit Union compares
NCUA groups credit unions by size; U. T. Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.68% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.19%, is lower than the group median of 0.67%. Loans grew 2.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 15 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 | $554 million | 25,540 | $463 million | 9.68% | 0.19% |
| Q1 2026 | $572 million | 25,612 | $454 million | 9.26% | 0.15% |
| Q4 2025 | $562 million | 25,742 | $460 million | 9.35% | 0.18% |
| Q3 2025 | $552 million | 25,779 | $467 million | 9.40% | 0.17% |
| Q2 2025 | $535 million | 25,743 | $451 million | 9.56% | 0.10% |
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 700,000 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 10 sites for U. T. 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.
- UT Federal Credit Union - White Avenue
2100 White Ave, Knoxville, TN 37916 - UT Federal Credit Union - Hospital Branch
1924 Alcoa Hwy, Knoxville, TN 37920 - UT Federal Credit Union - West Branch
9700 Kingston Pike, Knoxville, TN 37922 - UT Federal Credit Union - Emory Rd Branch
707 E Emory Rd, Knoxville, TN 37938 - UT Federal Credit Union - Martin Branch
103 Hurt St, Martin, TN 38237 - UT Federal Credit Union - Memphis Branch
910 Madison Ave, Memphis, TN 38103 - UT Federal Credit Union - Student Union Branch
1502 Cumberland Ave Ste 160, Knoxville, TN 37996 - UT Federal Credit Union - Corporate Office (main office)
1512 Coleman Rd, Knoxville, TN 37909 - UT Federal Credit Union - Springbrook Farm Branch
1858 Pauling St, Alcoa, TN 37701 - UTFCU - Corporate Annex
1508 Coleman Rd, Knoxville, TN 37909
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