Side-by-side · Q2 2026 data
Cleveland-Bradley Cty Teacher Federal Credit Union vs Smart Choice Credit Union
Credit union
Cleveland-Bradley Cty Teacher Federal Credit Union
Cleveland, Tennessee · Under $100 million in assets
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Cleveland-Bradley Cty Teacher Federal Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 54 |
| Capital cushion | 79 (stronger) | 44 |
| Loan quality | 83 (stronger) | 66 |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 70th | 13th |
| Total assets | $74.1M | $3.4M |
| Deposits / shares | $63.9M | $3.1M |
| Capital ratio | 12.88% (stronger) | 9.36% |
| Problem loans | 0.51% (stronger) | 1.03% |
| Net charge-offs | 0.33% (stronger) | 3.15% |
| Return on assets | 1.05% (stronger) | -1.69% |
| Loans ÷ deposits | 37.5% (stronger) | 44.8% |
| Uninsured deposits | 7.8% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cleveland-Bradley Cty Teacher Federal Credit Union has the higher TellerScore (82 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Cleveland-Bradley Cty Teacher Federal Credit Union leads on 6 and Smart Choice Credit Union on 1. 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.