RANKING ·
Highest net interest margin in Tennessee
41 of 125 credit unions in Tennessee that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin on average assets | Total assets |
|---|---|---|---|---|
| 1 | Heritage South Community CU | Shelbyville, TN | 4.82% | $362 million |
| 2 | Bowater Employees Credit Union | Calhoun, TN | 4.62% | $303 million |
| 3 | Southeast Financial Credit Union | Franklin, TN | 4.51% | $467 million |
| 4 | Scenic Community Credit Union | Hixson, TN | 4.37% | $164 million |
| 5 | Fortera Federal Credit Union | Clarksville, TN | 4.30% | $947 million |
| 6 | F A A Federal Credit Union | Cordova, TN | 4.15% | $131 million |
| 7 | Old Hickory Credit Union | Nashville, TN | 4.10% | $347 million |
| 8 | Upper Cumberland Federal Credit Union | Crossville, TN | 4.06% | $141 million |
| 9 | Employee Resources Credit Union | Lawrenceburg, TN | 4.05% | $186 million |
| 10 | Tennessee Valley Federal Credit Union | Chattanooga, TN | 3.95% | $3.3 billion |
| 11 | Holley Credit Union | Paris, TN | 3.91% | $105 million |
| 12 | City Employees Credit Union | Knoxville, TN | 3.90% | $115 million |
| 13 | First South Financial Federal Credit Union | Bartlett, TN | 3.89% | $845 million |
| 14 | United Southeast Federal Credit Union | Bristol, TN | 3.82% | $256 million |
| 15 | Alcoa Tenn Federal Credit Union | Alcoa, TN | 3.78% | $427 million |
| 16 | Appalachian Community Federal Credit Union | Kingsport, TN | 3.77% | $183 million |
| 17 | Johnsonville Tva Employees Credit Union | Camden, TN | 3.73% | $181 million |
| 18 | Y-12 Federal Credit Union | Oak Ridge, TN | 3.71% | $2.8 billion |
| 19 | Ornl Federal Credit Union | Oak Ridge, TN | 3.69% | $5.0 billion |
| 20 | U. T. Federal Credit Union | Knoxville, TN | 3.66% | $554 million |
| 21 | Memphis City Employees Credit Union | Memphis, TN | 3.63% | $503 million |
| 22 | L G & W Federal Credit Union | Memphis, TN | 3.61% | $115 million |
| 23 | US Community Credit Union | Nashville, TN | 3.59% | $346 million |
| 24 | Leaders Credit Union | Jackson, TN | 3.57% | $1.4 billion |
| 25 | Fedex Employees Credit Association Federal Credit Union | Memphis, TN | 3.54% | $641 million |
| 26 | Resound Credit Union | Nashville, TN | 3.53% | $704 million |
| 27 | Knoxville Tva Employees Credit Union | Knoxville, TN | 3.47% | $5.3 billion |
| 28 | Eastman Credit Union | Kingsport, TN | 3.45% | $10.2 billion |
| 29 | Northeast Community Credit Union | Elizabethton, TN | 3.43% | $194 million |
| 30 | Enrichment Federal Credit Union | Oak Ridge, TN | 3.40% | $984 million |
| 31 | Trust Federal Credit Union | Chattanooga, TN | 3.40% | $142 million |
| 32 | Orion Federal Credit Union | Memphis, TN | 3.39% | $1.3 billion |
| 33 | Kimberly Clark Credit Union | Memphis, TN | 3.38% | $145 million |
| 34 | Southern Security Federal Credit Union | Collierville, TN | 3.35% | $252 million |
| 35 | Ascend Federal Credit Union | Tullahoma, TN | 3.29% | $4.8 billion |
| 36 | Ten Credit Union | Nashville, TN | 3.24% | $392 million |
| 37 | Clinchfield Federal Credit Union | Erwin, TN | 3.22% | $140 million |
| 38 | Consumer Credit Union | Greeneville, TN | 2.56% | $660 million |
| 39 | Knoxville Teachers Federal Credit Union | Knoxville, TN | 2.51% | $259 million |
| 40 | Comtrust Federal Credit Union | Chattanooga, TN | 2.08% | $430 million |
| 41 | Chattanooga Area Schools Federal Credit Union | Chattanooga, TN | 2.00% | $199 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings