Sep, 30, 2025 — MIDDLE TENNESSEE FEDERAL CREDIT UNION is a federal credit union headquartered in COOKEVILLE, TN with 3 branch locations and about $67.43 million in total assets. Opened 57 years ago in 1969, MIDDLE TENNESSEE FEDERAL CREDIT UNION has about 5,583 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MIDDLE TENNESSEE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1255 E Spring St COOKEVILLE, TN 38501-4310 |
| Phone: | (931) 528-9400 |
| Fax: | (931) 372-8481 |
| Website: | https://www.midtenfcu.com |
| Branches: | 3 branch locations |
| Members: | 5,583 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 19700 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1969 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $67,430,599 |
| CEO/Manager: | HOLLY CROSS |
| Chairperson: | Wayne Allen |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,465,559 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,759,547 |
| Unsecured Loans | 3,590,716 |
| Other Loans | 27,653,603 |
| TOTAL LOANS | 38,003,866 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -384,494 |
| Land And Building | 1,249,617 |
| Other Fixed Assets | 55,402 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 548,332 |
| All Other Assets | 0 |
| TOTAL ASSETS | 67,430,599 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 96,345 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 10,461,662 |
| Regular shares | 27,324,656 |
| All Other Shares & Deposits | 18,684,989 |
| TOTAL SHARES & DEPOSITS | 56,471,308 |
| TOTAL LIABILITIES | 56,567,653 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 10,862,946 |
| TOTAL EQUITY | 10,862,946 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 67,430,599 |
| INCOME & EXPENSE | |
| Loan Income | 1,953,662 |
| Investment Income | 790,302 |
| Other Income | 637,106 |
| Total Employee Compensation & Benefits | 567,149 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 722,913 |
| Non-operating Income & (Expense) | -31 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 289,001 |
| Cost of Funds | 586,851 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,246,307 |
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