L G & W vs Alcoa Tenn
Comparing a Credit Union in Memphis, TN with a Credit Union in Alcoa, TN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| L G & W ↗ Credit Union · Memphis, TN · Est. 1940 | Alcoa Tenn ↗ Credit Union · Alcoa, TN · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Memphis, TN | Alcoa, TN |
| Total assets | $116.2M | $424.5M |
| Net worth ratio | 21.2% | 13.5% |
| Return on assets | 1.4% | 1.7% |
| Shares & deposits | — | — |
| Members | 5,707 | 22,137 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 126 | #1 of 126 |
| Established | 1940 | 1936 |
L G & W
- Assets: $116.2M
- Members: 5,707
- Capital ratio: 21.2%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #3 of 126
Alcoa Tenn
- Assets: $424.5M
- Members: 22,137
- Capital ratio: 13.5%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 126
Are both institutions federally insured?
Yes. L G & W is NCUA-insured and Alcoa Tenn is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, L G & W or Alcoa Tenn?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — L G & W scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is L G & W safe?
Yes — L G & W is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Alcoa Tenn safe?
Yes — Alcoa Tenn is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of L G & W vs Alcoa Tenn?
L G & W has a net worth ratio of 21.2%, placing it in the top 2% of $100M–1B peers. Alcoa Tenn's ratio is 13.5%, placing it in the top 23% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does L G & W have compared to Alcoa Tenn?
The CFPB database shows 0 complaints against L G & W, and 0 complaints against Alcoa Tenn. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare L G & W with other Credit Unions in Tennessee
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
