Side-by-side · Q2 2026 data
Beacon Financial Credit Union vs Tennessee Employees Credit Union
Credit union
Beacon Financial Credit Union
Johnson City, Tennessee · Under $100 million in assets
Credit union
Tennessee Employees Credit Union
Nashville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Beacon Financial Credit Union | Tennessee Employees Credit Union |
|---|---|---|
| TellerScore | 44 | 81 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 54 | 69 (stronger) |
| Earnings | 22 | 46 (stronger) |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 70 | 96 (stronger) |
| Peer percentile | 4th | 68th |
| Total assets | $27.9M | $31.0M |
| Deposits / shares | $26.0M | $24.9M |
| Capital ratio | 7.70% | 20.09% (stronger) |
| Problem loans | 1.39% | 0.92% (stronger) |
| Net charge-offs | 0.82% | 0.51% (stronger) |
| Return on assets | 0.04% | 0.66% (stronger) |
| Loans ÷ deposits | 89.0% | 56.9% (stronger) |
| Uninsured deposits | 4.0% (stronger) | 6.5% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee Employees Credit Union has the higher TellerScore (81 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Beacon Financial Credit Union leads on 1 and Tennessee Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.