RANKING ·
Largest net interest margin improvement 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 and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Bowater Employees Credit Union | Calhoun, TN | +75 bps | $303 million |
| 2 | Employee Resources Credit Union | Lawrenceburg, TN | +59 bps | $186 million |
| 3 | Northeast Community Credit Union | Elizabethton, TN | +40 bps | $194 million |
| 4 | Consumer Credit Union | Greeneville, TN | +37 bps | $660 million |
| 5 | Heritage South Community CU | Shelbyville, TN | +35 bps | $362 million |
| 6 | Chattanooga Area Schools Federal Credit Union | Chattanooga, TN | +32 bps | $199 million |
| 7 | U. T. Federal Credit Union | Knoxville, TN | +31 bps | $554 million |
| 8 | Memphis City Employees Credit Union | Memphis, TN | +31 bps | $503 million |
| 9 | Knoxville Teachers Federal Credit Union | Knoxville, TN | +29 bps | $259 million |
| 10 | Ten Credit Union | Nashville, TN | +27 bps | $392 million |
| 11 | Ascend Federal Credit Union | Tullahoma, TN | +25 bps | $4.8 billion |
| 12 | Knoxville Tva Employees Credit Union | Knoxville, TN | +24 bps | $5.3 billion |
| 13 | Ornl Federal Credit Union | Oak Ridge, TN | +24 bps | $5.0 billion |
| 14 | Upper Cumberland Federal Credit Union | Crossville, TN | +23 bps | $141 million |
| 15 | United Southeast Federal Credit Union | Bristol, TN | +22 bps | $256 million |
| 16 | Fedex Employees Credit Association Federal Credit Union | Memphis, TN | +19 bps | $641 million |
| 17 | Comtrust Federal Credit Union | Chattanooga, TN | +18 bps | $430 million |
| 18 | Eastman Credit Union | Kingsport, TN | +15 bps | $10.2 billion |
| 19 | Alcoa Tenn Federal Credit Union | Alcoa, TN | +13 bps | $427 million |
| 20 | Holley Credit Union | Paris, TN | +12 bps | $105 million |
| 21 | Enrichment Federal Credit Union | Oak Ridge, TN | +11 bps | $984 million |
| 22 | Clinchfield Federal Credit Union | Erwin, TN | +11 bps | $140 million |
| 23 | Y-12 Federal Credit Union | Oak Ridge, TN | +10 bps | $2.8 billion |
| 24 | Fortera Federal Credit Union | Clarksville, TN | +10 bps | $947 million |
| 25 | Old Hickory Credit Union | Nashville, TN | +8 bps | $347 million |
| 26 | Appalachian Community Federal Credit Union | Kingsport, TN | +7 bps | $183 million |
| 27 | Leaders Credit Union | Jackson, TN | +7 bps | $1.4 billion |
| 28 | Orion Federal Credit Union | Memphis, TN | +6 bps | $1.3 billion |
| 29 | Southern Security Federal Credit Union | Collierville, TN | +5 bps | $252 million |
| 30 | US Community Credit Union | Nashville, TN | +3 bps | $346 million |
| 31 | Southeast Financial Credit Union | Franklin, TN | +3 bps | $467 million |
| 32 | L G & W Federal Credit Union | Memphis, TN | +2 bps | $115 million |
| 33 | City Employees Credit Union | Knoxville, TN | -4 bps | $115 million |
| 34 | Kimberly Clark Credit Union | Memphis, TN | -7 bps | $145 million |
| 35 | Tennessee Valley Federal Credit Union | Chattanooga, TN | -12 bps | $3.3 billion |
| 36 | Johnsonville Tva Employees Credit Union | Camden, TN | -14 bps | $181 million |
| 37 | F A A Federal Credit Union | Cordova, TN | -19 bps | $131 million |
| 38 | Scenic Community Credit Union | Hixson, TN | -19 bps | $164 million |
| 39 | Resound Credit Union | Nashville, TN | -24 bps | $704 million |
| 40 | Trust Federal Credit Union | Chattanooga, TN | -30 bps | $142 million |
| 41 | First South Financial Federal Credit Union | Bartlett, TN | -47 bps | $845 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings