Side-by-side · Q2 2026 data
Bcbst Employees Credit Union vs Appliance Credit Union
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Bcbst Employees Credit Union | Appliance Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 96 (stronger) | 61 |
| Earnings | 53 (stronger) | 32 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 89th | 22nd |
| Total assets | $8.3M | $18.7M |
| Deposits / shares | $6.2M | $16.7M |
| Capital ratio | 25.64% (stronger) | 9.60% |
| Problem loans | 0.11% (stronger) | 1.17% |
| Net charge-offs | 0.17% (stronger) | 0.26% |
| Return on assets | 0.82% (stronger) | 0.29% |
| Loans ÷ deposits | 30.9% | 29.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bcbst Employees Credit Union leads on 6 and Appliance Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.