Credit union · NCUA insured
TEN Credit Union
A $394.4M credit union headquartered in Nashville, TN, with 18,401 members and 7 branches in Tennessee. Best rates: CDs 4.50% and savings 1.50% APY.
TEN Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#18 of 44 in Nashville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TEN Credit Union
Founded in 1950 by dedicated educators and volunteers, TEN Credit Union is a credit union based in Nashville, Tennessee.
- Headquarters
- 1400 8TH Ave S, Nashville, TN 37203-5007
- NCUA charter
- 66886
Branches
7 branches in Tennessee
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Tennessee
7 branches
Nashville area · 5
- Main BranchMain office1400 8TH Ave S, Nashville, TN 37203Directions
- Cool Spring Branch2000 Mallory Ln, ste 180, Franklin, TN 37067Directions
- Gallatin Branch716 Nashville Pike, Gallatin, TN 37066Directions
- Rivergate Branch890 Rivergate Pkwy, Goodlettsville, TN 37072Directions
- Bellevue7527 Highway 70 S, Nashville, TN 37221Directions
Cookeville area · 1
- Cookeville1281 S Walnut Ave, Cookeville, TN 38501Directions
Johnson City area · 1
- Sunset Branch310 Sunset Dr, Johnson City, TN 37604Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.21% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.15% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $70 | $76 | — |
- CapitalNet worth ratio8.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.21%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.15%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$70Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of TEN Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.