Side-by-side · Q2 2026 data
Beacon Financial Credit Union vs Hiwassee River Credit Union
Credit union
Beacon Financial Credit Union
Johnson City, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Beacon Financial Credit Union | Hiwassee River Credit Union |
|---|---|---|
| TellerScore | 44 | 74 (stronger) |
| Capital cushion | 27 | 59 (stronger) |
| Loan quality | 54 | 95 (stronger) |
| Earnings | 22 | 36 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 4th | 49th |
| Total assets | $27.9M | $27.5M |
| Deposits / shares | $26.0M | $24.4M |
| Capital ratio | 7.70% | 10.94% (stronger) |
| Problem loans | 1.39% | 0.15% (stronger) |
| Net charge-offs | 0.82% | 0.23% (stronger) |
| Return on assets | 0.04% | 0.40% (stronger) |
| Loans ÷ deposits | 89.0% | 47.1% (stronger) |
| Uninsured deposits | 4.0% (stronger) | 4.6% |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hiwassee River Credit Union has the higher TellerScore (74 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Beacon Financial Credit Union leads on 1 and Hiwassee River Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.