Side-by-side · Q2 2026 data
Appalachian Community Federal Credit Union vs Eastman Credit Union
Credit union
Appalachian Community Federal Credit Union
Kingsport, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Appalachian Community Federal Credit Union | Eastman Credit Union |
|---|---|---|
| TellerScore | 70 | 91 (stronger) |
| Capital cushion | 60 | 99 (stronger) |
| Loan quality | 91 (stronger) | 90 |
| Earnings | 47 | 98 (stronger) |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 51st | 96th |
| Total assets | $182.8M | $10.2B |
| Deposits / shares | $161.4M | $8.6B |
| Capital ratio | 10.99% | 14.87% (stronger) |
| Problem loans | 0.26% (stronger) | 0.31% |
| Net charge-offs | 0.22% (stronger) | 0.38% |
| Return on assets | 0.69% | 1.95% (stronger) |
| Loans ÷ deposits | 92.8% (stronger) | 93.2% |
| Uninsured deposits | 6.9% (stronger) | 12.7% |
| Offices | 6 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 26.9% |
Eastman Credit Union has the higher TellerScore (91 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Appalachian Community Federal Credit Union leads on 4 and Eastman Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.