Side-by-side · Q2 2026 data
Builtwell Bank vs Employee Resources Credit Union
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Builtwell Bank | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 62 |
| Capital cushion | 47 (stronger) | 45 |
| Loan quality | 81 | 81 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 61 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 70th | 26th |
| Total assets | $2.3B | $185.5M |
| Deposits / shares | $2.0B | $167.6M |
| Capital ratio | 9.71% (stronger) | 9.46% |
| Problem loans | 0.57% (stronger) | 0.58% |
| Net charge-offs | -0.05% (stronger) | 0.60% |
| Return on assets | 2.07% (stronger) | 0.54% |
| Loans ÷ deposits | 76.6% (stronger) | 88.7% |
| Uninsured deposits | 35.9% | 7.0% (stronger) |
| Offices | 32 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Builtwell Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 6 and Employee Resources Credit Union on 1. 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.