Side-by-side · Q2 2026 data
Appalachian Community Federal Credit Union vs Scenic Community Credit Union
Credit union
Appalachian Community Federal Credit Union
Kingsport, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Appalachian Community Federal Credit Union | Scenic Community Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 47 |
| Capital cushion | 60 (stronger) | 44 |
| Loan quality | 91 (stronger) | 51 |
| Earnings | 47 (stronger) | 20 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 94 (stronger) | 66 |
| Peer percentile | 51st | 4th |
| Total assets | $182.8M | $163.8M |
| Deposits / shares | $161.4M | $147.5M |
| Capital ratio | 10.99% (stronger) | 9.37% |
| Problem loans | 0.26% (stronger) | 1.46% |
| Net charge-offs | 0.22% (stronger) | 1.02% |
| Return on assets | 0.69% (stronger) | 0.00% |
| Loans ÷ deposits | 92.8% (stronger) | 93.7% |
| Uninsured deposits | 6.9% | 4.2% (stronger) |
| Offices | 6 | 4 |
| 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 47). On the 7 directional measures above (where higher or lower is clearly better), Appalachian Community Federal Credit Union leads on 6 and Scenic Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.