Side-by-side · Q2 2026 data
Appalachian Community Federal Credit Union vs Employee Resources Credit Union
Credit union
Appalachian Community Federal Credit Union
Kingsport, Tennessee · $100 million – $1 billion
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Appalachian Community Federal Credit Union | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 60 (stronger) | 45 |
| Loan quality | 91 (stronger) | 81 |
| Earnings | 47 (stronger) | 42 |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 51st | 26th |
| Total assets | $182.8M | $185.5M |
| Deposits / shares | $161.4M | $167.6M |
| Capital ratio | 10.99% (stronger) | 9.46% |
| Problem loans | 0.26% (stronger) | 0.58% |
| Net charge-offs | 0.22% (stronger) | 0.60% |
| Return on assets | 0.69% (stronger) | 0.54% |
| Loans ÷ deposits | 92.8% | 88.7% (stronger) |
| Uninsured deposits | 6.9% (stronger) | 7.0% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Appalachian Community Federal Credit Union has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Appalachian Community Federal Credit Union leads on 6 and Employee Resources Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.