Side-by-side · Q2 2026 data
Chattanooga Area Schools Federal Credit Union vs Tennessee Valley Federal Credit Union
Credit union
Chattanooga Area Schools Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Chattanooga Area Schools Federal Credit Union | Tennessee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 70 | 98 (stronger) |
| Loan quality | 91 (stronger) | 74 |
| Earnings | 36 | 80 (stronger) |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 68th | 93rd |
| Total assets | $199.2M | $3.3B |
| Deposits / shares | $174.5M | $2.8B |
| Capital ratio | 12.01% | 14.75% (stronger) |
| Problem loans | 0.28% (stronger) | 0.77% |
| Net charge-offs | 0.16% (stronger) | 0.31% |
| Return on assets | 0.41% | 1.51% (stronger) |
| Loans ÷ deposits | 49.4% (stronger) | 87.7% |
| Uninsured deposits | 15.3% | 8.0% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Chattanooga Area Schools Federal Credit Union leads on 3 and Tennessee Valley Federal Credit Union on 4. 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.