Side-by-side · Q2 2026 data
Ascend Federal Credit Union vs Middle Tennessee Federal Credit Union
Credit union
Middle Tennessee Federal Credit Union
Cookeville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Ascend Federal Credit Union | Middle Tennessee Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 96 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 84 | 87 (stronger) |
| Earnings | 68 | 98 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 92nd | 97th |
| Total assets | $4.8B | $71.3M |
| Deposits / shares | $3.9B | $59.3M |
| Capital ratio | 14.55% | 16.80% (stronger) |
| Problem loans | 0.49% | 0.40% (stronger) |
| Net charge-offs | 0.44% (stronger) | 1.15% |
| Return on assets | 1.20% | 1.95% (stronger) |
| Loans ÷ deposits | 90.5% | 60.1% (stronger) |
| Uninsured deposits | 10.1% | 5.2% (stronger) |
| Offices | 27 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.1% | — |
Middle Tennessee Federal Credit Union has the higher TellerScore (96 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Ascend Federal Credit Union leads on 1 and Middle Tennessee Federal Credit Union on 6. 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.