Side-by-side · Q2 2026 data
Chattanooga First Federal Credit Union vs Tennessee Employees Credit Union
Credit union
Chattanooga First Federal Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Credit union
Tennessee Employees Credit Union
Nashville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Chattanooga First Federal Credit Union | Tennessee Employees Credit Union |
|---|---|---|
| TellerScore | 65 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 26 | 69 (stronger) |
| Earnings | 28 | 46 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 30th | 68th |
| Total assets | $25.5M | $31.0M |
| Deposits / shares | $19.7M | $24.9M |
| Capital ratio | 22.44% (stronger) | 20.09% |
| Problem loans | 2.22% | 0.92% (stronger) |
| Net charge-offs | 0.51% (stronger) | 0.51% |
| Return on assets | 0.21% | 0.66% (stronger) |
| Loans ÷ deposits | 67.5% | 56.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee Employees Credit Union has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Chattanooga First Federal Credit Union leads on 3 and Tennessee Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.