TRUST Credit Union Profile

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TRUST

Charter #24629 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (423) 870-7610

Fax:

Founding Date: N/A

Website: https://www.trustfcu.com

Personnel & Operations

President: Sanders, Tony

Manager: Smart, David

FT Employees: 32

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 50

Branches: 3

Hours: Monday-Thursday 9-5 Friday 9-6

Credit Union Profile Summary

TRUST is a FCU Credit Union. With a total of 8,162 members [1], this institution manages approximately $134,489,994 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.81% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.86% [1].

Financial Snapshot

Total Assets [1]
$134,489,994

Total economic resources.

Total Loans [1]
$99,577,965

Total value of outstanding loans.

Total Deposits [1]
$116,664,428

Total funds deposited by members.

Members [1]
8,162

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.81%

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]
0.32%

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

Loan-to-Share Ratio [1]
85.35%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.98%

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

Loan Growth (4Q) [1]
↓ -3.86%

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

Member Growth (4Q) [1]
↓ -3.37%

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

Headquarters Location & Map

Headquarters Address

555 Walnut St Ste 100

Chattanooga, TN, 37402
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by TRUST (Charter #24629).

Main Office

Main Office Main Office

Type: Corporate Office

555 Walnut St Ste 100

Chattanooga, TN 37402

Phone: (423) 870-7610

Services: Member Services, ATM

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Additional Branches

Chattanooga

Gunbarrel Branch

Type: Branch Office

1529 Gunbarrel Rd

Chattanooga, TN 37421

Phone: (423) 870-7610

Services: Member Services, ATM, Drive-Thru

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Northgate Branch

Type: Branch Office

2186 Northgate Park Ln

Chattanooga, TN 37415-6911

Phone: (423) 870-7610

Services: Member Services, ATM, Drive-Thru

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