Side-by-side · Q2 2026 data
Clinchfield Federal Credit Union vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Clinchfield Federal Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 83 | 86 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 92 (stronger) | 73 |
| Earnings | 62 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 83rd | 80th |
| Total assets | $140.3M | $36.9M |
| Deposits / shares | $122.8M | $30.4M |
| Capital ratio | 12.49% | 18.25% (stronger) |
| Problem loans | 0.25% (stronger) | 0.82% |
| Net charge-offs | 0.10% (stronger) | 0.82% |
| Return on assets | 1.05% | 1.09% (stronger) |
| Loans ÷ deposits | 54.6% | 31.3% (stronger) |
| Uninsured deposits | 3.1% | 2.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Clinchfield Federal Credit Union leads on 2 and Happy Valley Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.