Side-by-side · Q2 2026 data
Citizens Bank vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 62 | 73 (stronger) |
| Earnings | 98 (stronger) | 63 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 77th | 80th |
| Total assets | $1.4B | $36.9M |
| Deposits / shares | $1.2B | $30.4M |
| Capital ratio | 12.65% | 18.25% (stronger) |
| Problem loans | 1.14% | 0.82% (stronger) |
| Net charge-offs | 0.47% (stronger) | 0.82% |
| Return on assets | 1.94% (stronger) | 1.09% |
| Loans ÷ deposits | 94.9% | 31.3% (stronger) |
| Uninsured deposits | 24.8% | 2.8% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 2 and Happy Valley Credit Union on 5. 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.