credit union

Tennessee Members 1st

Q: Is Tennessee Members 1st a good credit union?

Tennessee Members 1st earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Strongly capitalized (11.5% capital ratio); Profitable (ROA 0.06%).

Q: Is Tennessee Members 1st NCUA-insured?

Yes. Tennessee Members 1st is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

Q: How big is Tennessee Members 1st?

Tennessee Members 1st holds $98 million in total assets, ranking 86th of 126 credit unions we track in Tennessee. It serves 4,465 members.

Q: Does Tennessee Members 1st have CFPB complaints?

No CFPB complaints against Tennessee Members 1st appear in our data over the analysis window, which is typical for a credit union of this size.

Oak Ridge, TN · Est. 1946

Trust Grade

Strong

Score: 89/100

Tennessee Members 1st is a credit union based in Oak Ridge, Tennessee, established in 1946, with $98 million in total assets serving 4,465 members. By Trust Grade it ranks 86th of 126 credit unions we track in Tennessee. Its net worth ratio of 11.5% trails most similarly sized credit unions (29th percentile), versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 0.06% return on assets. No consumer complaints against Tennessee Members 1st appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets

$98.3M

<$100M institution

Members

4,465

Shares & deposits

—

Net worth ratio

11.5%

Bottom 29% of <$100M peers · Tennessee median 13.9%

Return on assets

0.1%

Bottom 24% of <$100M peers · Tennessee median 0.7%

Rank in Tennessee

#86

of 126 credit unions

How Tennessee Members 1st compares to Tennessee peers

Net worth ratio

Bottom 29% of <$100M peers

Tennessee Members

11.5%

Tennessee median

13.9%

Higher capital ratio = stronger financial cushion

Return on assets

Bottom 24% of <$100M peers

Tennessee Members

0.1%

Tennessee median

0.7%

Higher ROA = more profitable relative to asset base

How we graded Tennessee Members 1st

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength

89/100

Customer experience

n/a

Overall

B · 89

Strongly capitalized (11.5% capital ratio)
Profitable (ROA 0.06%)
No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Tennessee Members 1st over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Tennessee Members 1st insured?

Yes. Tennessee Members 1st is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.