Side-by-side · Q2 2026 data
Citizens Tri-County Bank vs Tennessee Valley Federal Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Citizens Tri-County Bank | Tennessee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 43 | 98 (stronger) |
| Loan quality | 75 (stronger) | 74 |
| Earnings | 94 (stronger) | 80 |
| Funding & liquidity | 75 (stronger) | 73 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 58th | 93rd |
| Total assets | $1.6B | $3.3B |
| Deposits / shares | $1.5B | $2.8B |
| Capital ratio | 9.34% | 14.75% (stronger) |
| Problem loans | 0.75% (stronger) | 0.77% |
| Net charge-offs | 0.05% (stronger) | 0.31% |
| Return on assets | 1.85% (stronger) | 1.51% |
| Loans ÷ deposits | 71.6% (stronger) | 87.7% |
| Uninsured deposits | 27.3% | 8.0% (stronger) |
| Offices | 20 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens Tri-County Bank leads on 4 and Tennessee Valley Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.