Side-by-side · Q2 2026 data
Chattanooga Area Schools Federal Credit Union vs Bcbst Employees Credit Union
Credit union
Chattanooga Area Schools Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Chattanooga Area Schools Federal Credit Union | Bcbst Employees Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 36 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $199.2M | $8.3M |
| Deposits / shares | $174.5M | $6.2M |
| Capital ratio | 12.01% | 25.64% (stronger) |
| Problem loans | 0.28% | 0.11% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.17% |
| Return on assets | 0.41% | 0.82% (stronger) |
| Loans ÷ deposits | 49.4% | 30.9% (stronger) |
| Uninsured deposits | 15.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Chattanooga Area Schools Federal Credit Union leads on 1 and Bcbst Employees Credit Union on 6. 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.