Tennessee Valley

Chattanooga, TN · 1 · Charter #1520 · www.tvfcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.1B
69th percentile
Members
174,941
70th percentile
Total loans
$2.2B
68th percentile
Total shares
$2.6B
70th percentile

Profitability

Return on assets
1.87%
92th percentile
Net interest margin
3.86%
87th percentile
Efficiency ratio
48.99%
62th percentile
Non-interest income ratio
17.61%
44th percentile

Capital & Risk

Net worth ratio
14.68%
92th percentile
Delinquency rate
0.79%
46th percentile
Net charge-off rate
0.32%
75th percentile
Loan-to-share
85.36%
40th percentile

Growth

Member growth YoY
3.94%
66th percentile
Asset growth YoY
8.60%
73th percentile
Loan growth YoY
10.83%
81th percentile
Share growth YoY
8.13%
70th percentile

Operations

Members / branch
5,831
28th percentile
Assets / member
$17,760
49th percentile
Field of membership penetration
16.80%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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