Side-by-side · Q2 2026 data
Builtwell Bank vs Bcbst Employees Credit Union
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Builtwell Bank | Bcbst Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 81 | 96 (stronger) |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 70th | 89th |
| Total assets | $2.3B | $8.3M |
| Deposits / shares | $2.0B | $6.2M |
| Capital ratio | 9.71% | 25.64% (stronger) |
| Problem loans | 0.57% | 0.11% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.17% |
| Return on assets | 2.07% (stronger) | 0.82% |
| Loans ÷ deposits | 76.6% | 30.9% (stronger) |
| Uninsured deposits | 35.9% | 0.0% (stronger) |
| Offices | 32 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 2 and Bcbst Employees Credit Union on 5. 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.