Preheat your oven to 375°F (190°C). Line a baking sheet with parchment paper or lightly grease with cooking spray. Position the rack in the center of your oven for even heat distribution.

Mix the Greek yogurt or mayonnaise with ranch seasoning mix in a medium bowl until completely smooth.

In a separate shallow dish, combine shredded cheddar cheese, Parmesan cheese, crushed Ritz crackers, garlic powder, paprika, and black pepper. Mix thoroughly so the crackers are evenly distributed.

Pat each chicken tender dry with paper towels - this helps the coating stick better. Dip each piece into the yogurt mixture, letting excess drip off.

Press the coated chicken firmly into the cheese and cracker mixture on both sides, ensuring even coverage in a single layer. Use one hand for wet ingredients and one for dry to keep one hand clean.

Arrange the chicken tenders on the prepared baking sheet with at least an inch between each piece. Lightly spray the tops with cooking spray.

Bake for 25-30 minutes, flipping halfway through at the 15-minute mark. Start checking thin tenders at 20 minutes. The tenders are done when they reach an internal temperature of 165°F (74°C) and the coating turns deep golden brown.

Let rest for 3-4 minutes before serving hot with your favorite dipping sauce.