Side-by-side · Q2 2026 data
Builtwell Bank vs Tennessee Valley Federal Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Builtwell Bank | Tennessee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 47 | 98 (stronger) |
| Loan quality | 81 (stronger) | 74 |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 61 | 73 (stronger) |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 70th | 93rd |
| Total assets | $2.3B | $3.3B |
| Deposits / shares | $2.0B | $2.8B |
| Capital ratio | 9.71% | 14.75% (stronger) |
| Problem loans | 0.57% (stronger) | 0.77% |
| Net charge-offs | -0.05% (stronger) | 0.31% |
| Return on assets | 2.07% (stronger) | 1.51% |
| Loans ÷ deposits | 76.6% (stronger) | 87.7% |
| Uninsured deposits | 35.9% | 8.0% (stronger) |
| Offices | 32 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Builtwell Bank leads on 4 and Tennessee Valley Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chattanooga, TN
- Cleveland, TN
- Fort Oglethorpe, GA