Side-by-side · Q2 2026 data
Bristol VA School System Federal Credit Union vs Happy Valley Credit Union
Credit union
Bristol VA School System Federal Credit Union
Bristol, Virginia · Under $100 million in assets
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Bristol VA School System Federal Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 53 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 73 (stronger) |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 12th | 80th |
| Total assets | $210K | $36.9M |
| Deposits / shares | $167K | $30.4M |
| Capital ratio | 20.47% (stronger) | 18.25% |
| Problem loans | 8.82% | 0.82% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.82% |
| Return on assets | -1.75% | 1.09% (stronger) |
| Loans ÷ deposits | 24.4% (stronger) | 31.3% |
| Uninsured deposits | 0.0% (stronger) | 2.8% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Bristol VA School System Federal Credit Union leads on 4 and Happy Valley Credit Union on 3. 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.