TVA COMMUNITY CREDIT UNION Credit Union Profile

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TVA COMMUNITY CREDIT UNION

Charter #68559 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 383-1019

Fax: (256) 386-1257

Founding Date: N/A

Website: http://www.tvaccu.com

Personnel & Operations

President: Softley, Jr, Larry

Manager: Clements, Samuel

FT Employees: 48

PT Employees: 29

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 11

Hours: 8:30 - 5:00 M-F

Credit Union Profile Summary

TVA COMMUNITY CREDIT UNION is a FISCU Credit Union. With a total of 19,847 members ^[1], this institution manages approximately $409,060,089 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 18.03% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 2.31% ^[1].

Financial Snapshot

Total Assets ^[1]

$409,060,089

Total economic resources.

Total Loans ^[1]

$147,923,009

Total value of outstanding loans.

Total Deposits ^[1]

$362,921,595

Total funds deposited by members.

Members ^[1]

19,847

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

18.03%

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]

1.13%

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

Loan-to-Share Ratio ^[1]

40.76%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.43%

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

Loan Growth (4Q) ^[1]

↑ 2.31%

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

Member Growth (4Q) ^[1]

↑ 0.56%

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

Headquarters Location & Map

Headquarters Address

1405 S WILSON DAM RD

MUSCLE SHOALS, AL, 35661

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations