Sep, 30, 2025 — TENNESSEE VALLEY FEDERAL CREDIT UNION is a federal credit union headquartered in CHATTANOOGA, TN with 30 branch locations and about $2.97 billion in total assets. Opened 90 years ago in 1936, TENNESSEE VALLEY FEDERAL CREDIT UNION has about 174,210 members and employs 577 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TENNESSEE VALLEY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 535 Chestnut St CHATTANOOGA, TN 37402 |
| Phone: | (423) 634-3600 |
| Fax: | (423) 634-3588 |
| Website: | https://www.tvfcu.com |
| Branches: | 30 branch locations |
| Members: | 174,210 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1520 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,972,480,611 |
| CEO/Manager: | Todd Fortner |
| Chairperson: | David Longmire |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 537,196,017 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 3,477,013 |
| Real Estate Loans | 1,138,422,573 |
| Unsecured Loans | 74,007,284 |
| Other Loans | 975,523,962 |
| TOTAL LOANS | 2,225,998,396 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -19,493,695 |
| Land And Building | 38,068,769 |
| Other Fixed Assets | 24,855,678 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 22,689,540 |
| All Other Assets | 984,573 |
| TOTAL ASSETS | 2,972,480,611 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,741,125 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 22,156,312 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 501,526,422 |
| Regular shares | 964,042,769 |
| All Other Shares & Deposits | 1,034,639,328 |
| TOTAL SHARES & DEPOSITS | 2,500,208,519 |
| TOTAL LIABILITIES | 2,528,310,949 |
| Regular Reserve | 0 |
| Other Reserves | 1,877,286 |
| Undivided Earnings | 442,292,376 |
| TOTAL EQUITY | 444,169,662 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,972,480,611 |
| INCOME & EXPENSE | |
| Loan Income | 99,810,378 |
| Investment Income | 20,043,351 |
| Other Income | 4,435,791 |
| Total Employee Compensation & Benefits | 36,210,757 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 35,309,342 |
| Non-operating Income & (Expense) | -53,955 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 6,442,151 |
| Cost of Funds | 31,322,746 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 36,537,856 |
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