Side-by-side · Q2 2026 data
Chattanooga Area Schools Federal Credit Union vs United Southeast Federal Credit Union
Credit union
Chattanooga Area Schools Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Credit union
United Southeast Federal Credit Union
Bristol, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Chattanooga Area Schools Federal Credit Union | United Southeast Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 70 | 85 (stronger) |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 36 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 68th | 74th |
| Total assets | $199.2M | $256.0M |
| Deposits / shares | $174.5M | $220.6M |
| Capital ratio | 12.01% | 13.49% (stronger) |
| Problem loans | 0.28% (stronger) | 0.40% |
| Net charge-offs | 0.16% (stronger) | 0.74% |
| Return on assets | 0.41% | 0.55% (stronger) |
| Loans ÷ deposits | 49.4% (stronger) | 72.5% |
| Uninsured deposits | 15.3% | 6.6% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 0.0% |
United Southeast Federal Credit Union has the higher TellerScore (78 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 United Southeast Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.