Side-by-side · Q2 2026 data
Bcbst Employees Credit Union vs Smart Choice Credit Union
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Bcbst Employees Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 96 (stronger) | 66 |
| Earnings | 53 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 89th | 13th |
| Total assets | $8.3M | $3.4M |
| Deposits / shares | $6.2M | $3.1M |
| Capital ratio | 25.64% (stronger) | 9.36% |
| Problem loans | 0.11% (stronger) | 1.03% |
| Net charge-offs | 0.17% (stronger) | 3.15% |
| Return on assets | 0.82% (stronger) | -1.69% |
| Loans ÷ deposits | 30.9% (stronger) | 44.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 54). On the 6 directional measures above (where higher or lower is clearly better), Bcbst Employees Credit Union leads on 6 and Smart Choice Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.