Side-by-side · Q2 2026 data
Chattanooga Area Schools Federal Credit Union vs Employee Resources Credit Union
Credit union
Chattanooga Area Schools Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Chattanooga Area Schools Federal Credit Union | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 62 |
| Capital cushion | 70 (stronger) | 45 |
| Loan quality | 91 (stronger) | 81 |
| Earnings | 36 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 68th | 26th |
| Total assets | $199.2M | $185.5M |
| Deposits / shares | $174.5M | $167.6M |
| Capital ratio | 12.01% (stronger) | 9.46% |
| Problem loans | 0.28% (stronger) | 0.58% |
| Net charge-offs | 0.16% (stronger) | 0.60% |
| Return on assets | 0.41% | 0.54% (stronger) |
| Loans ÷ deposits | 49.4% (stronger) | 88.7% |
| Uninsured deposits | 15.3% | 7.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Chattanooga Area Schools Federal Credit Union has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Chattanooga Area Schools Federal Credit Union leads on 5 and Employee Resources Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.