RANKING ·
Lowest efficiency ratio 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 positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Eastman Credit Union | Kingsport, TN | 41.9% | $10.2 billion |
| 2 | City Employees Credit Union | Knoxville, TN | 51.1% | $115 million |
| 3 | Johnsonville Tva Employees Credit Union | Camden, TN | 51.9% | $181 million |
| 4 | First South Financial Federal Credit Union | Bartlett, TN | 52.7% | $845 million |
| 5 | Knoxville Tva Employees Credit Union | Knoxville, TN | 53.2% | $5.3 billion |
| 6 | Enrichment Federal Credit Union | Oak Ridge, TN | 57.3% | $984 million |
| 7 | Holley Credit Union | Paris, TN | 58.0% | $105 million |
| 8 | Ornl Federal Credit Union | Oak Ridge, TN | 58.3% | $5.0 billion |
| 9 | Upper Cumberland Federal Credit Union | Crossville, TN | 58.8% | $141 million |
| 10 | Consumer Credit Union | Greeneville, TN | 61.5% | $660 million |
| 11 | Leaders Credit Union | Jackson, TN | 62.3% | $1.4 billion |
| 12 | Alcoa Tenn Federal Credit Union | Alcoa, TN | 63.3% | $427 million |
| 13 | Fedex Employees Credit Association Federal Credit Union | Memphis, TN | 63.9% | $641 million |
| 14 | Tennessee Valley Federal Credit Union | Chattanooga, TN | 64.0% | $3.3 billion |
| 15 | Bowater Employees Credit Union | Calhoun, TN | 64.1% | $303 million |
| 16 | Ascend Federal Credit Union | Tullahoma, TN | 64.2% | $4.8 billion |
| 17 | Y-12 Federal Credit Union | Oak Ridge, TN | 64.4% | $2.8 billion |
| 18 | L G & W Federal Credit Union | Memphis, TN | 65.8% | $115 million |
| 19 | F A A Federal Credit Union | Cordova, TN | 68.6% | $131 million |
| 20 | Resound Credit Union | Nashville, TN | 68.7% | $704 million |
| 21 | Heritage South Community CU | Shelbyville, TN | 68.8% | $362 million |
| 22 | United Southeast Federal Credit Union | Bristol, TN | 70.4% | $256 million |
| 23 | Northeast Community Credit Union | Elizabethton, TN | 71.2% | $194 million |
| 24 | Chattanooga Area Schools Federal Credit Union | Chattanooga, TN | 72.3% | $199 million |
| 25 | Employee Resources Credit Union | Lawrenceburg, TN | 72.5% | $186 million |
| 26 | Knoxville Teachers Federal Credit Union | Knoxville, TN | 72.7% | $259 million |
| 27 | Fortera Federal Credit Union | Clarksville, TN | 73.0% | $947 million |
| 28 | US Community Credit Union | Nashville, TN | 74.3% | $346 million |
| 29 | Kimberly Clark Credit Union | Memphis, TN | 74.6% | $145 million |
| 30 | Clinchfield Federal Credit Union | Erwin, TN | 76.2% | $140 million |
| 31 | Old Hickory Credit Union | Nashville, TN | 76.3% | $347 million |
| 32 | Comtrust Federal Credit Union | Chattanooga, TN | 77.9% | $430 million |
| 33 | Memphis City Employees Credit Union | Memphis, TN | 80.1% | $503 million |
| 34 | Appalachian Community Federal Credit Union | Kingsport, TN | 82.0% | $183 million |
| 35 | U. T. Federal Credit Union | Knoxville, TN | 84.1% | $554 million |
| 36 | Southeast Financial Credit Union | Franklin, TN | 84.7% | $467 million |
| 37 | Scenic Community Credit Union | Hixson, TN | 85.4% | $164 million |
| 38 | Trust Federal Credit Union | Chattanooga, TN | 90.0% | $142 million |
| 39 | Orion Federal Credit Union | Memphis, TN | 90.7% | $1.3 billion |
| 40 | Ten Credit Union | Nashville, TN | 91.7% | $392 million |
| 41 | Southern Security Federal Credit Union | Collierville, TN | 95.4% | $252 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings