MIDDLE TENNESSEE Credit Union Profile

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MIDDLE TENNESSEE

Charter #19700 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (931) 528-9400

Fax: (931) 372-8481

Founding Date: N/A

Website: http://www.midtenfcu.com

Personnel & Operations

President: Allen, Wayne

Manager: CROSS, HOLLY

FT Employees: 8

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: 8 AM - 4:30 PM

Credit Union Profile Summary

MIDDLE TENNESSEE is a FCU Credit Union. With a total of 5,554 members [1], this institution manages approximately $67,874,910 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.13% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 2.05% [1].

Financial Snapshot

Total Assets [1]
$67,874,910

Total economic resources.

Total Loans [1]
$38,248,658

Total value of outstanding loans.

Total Deposits [1]
$57,674,959

Total funds deposited by members.

Members [1]
5,554

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.13%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.91%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
66.32%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.20%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
2.05%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.42%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1255 E SPRING ST

COOKEVILLE, TN, 38501-4310

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by MIDDLE TENNESSEE (Charter #19700).

Main Office

Main Main Office

Type: Corporate Office

1255 E Spring St

Cookeville, TN 38501-4310

Phone: (931) 528-9400

Services: Member Services, Drive-Thru

Open in Directions

Additional Branches

Cookeville

Cummins Branch

Type: Branch Office

1200 Fleetguard Rd

Cookeville, TN 38506-6258

Phone: (931) 528-9572

Services: Member Services

Open in Directions

Oak Street Branch

Type: Branch Office

112 N Oak Ave

Cookeville, TN 38501-2436

Phone: (931) 854-1490

Services: Member Services, Drive-Thru

Open in Directions