Side-by-side · Q2 2026 data
Clinchfield Federal Credit Union vs Hurd Employees Credit Union
Credit union
Hurd Employees Credit Union
Greeneville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Clinchfield Federal Credit Union | Hurd Employees Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 46 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 62 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 83rd | 6th |
| Total assets | $140.3M | $4.3M |
| Deposits / shares | $122.8M | $2.8M |
| Capital ratio | 12.49% | 36.06% (stronger) |
| Problem loans | 0.25% (stronger) | 3.55% |
| Net charge-offs | 0.10% | -0.02% (stronger) |
| Return on assets | 1.05% (stronger) | -0.78% |
| Loans ÷ deposits | 54.6% (stronger) | 110.8% |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Clinchfield Federal Credit Union has the higher TellerScore (83 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Clinchfield Federal Credit Union leads on 4 and Hurd Employees Credit Union on 3. 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.