Side-by-side · Q2 2026 data
Ascend Federal Credit Union vs Jack Daniel Employees Credit Union
Credit union
Jack Daniel Employees Credit Union
Lynchburg, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Ascend Federal Credit Union | Jack Daniel Employees Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 96 (stronger) | 63 |
| Loan quality | 84 (stronger) | 79 |
| Earnings | 68 (stronger) | 67 |
| Funding & liquidity | 70 | 83 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 92nd | 49th |
| Total assets | $4.8B | $56.7M |
| Deposits / shares | $3.9B | $49.8M |
| Capital ratio | 14.55% (stronger) | 11.32% |
| Problem loans | 0.49% (stronger) | 0.63% |
| Net charge-offs | 0.44% | 0.14% (stronger) |
| Return on assets | 1.20% (stronger) | 1.18% |
| Loans ÷ deposits | 90.5% | 77.6% (stronger) |
| Uninsured deposits | 10.1% | 5.1% (stronger) |
| Offices | 27 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.1% | — |
Ascend Federal Credit Union has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Ascend Federal Credit Union leads on 4 and Jack Daniel Employees 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.