Side-by-side · Q2 2026 data
Clinchfield Federal Credit Union vs Select Seven Federal Credit Union
Credit union
Select Seven Federal Credit Union
Johnson City, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Clinchfield Federal Credit Union | Select Seven Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 81 |
| Capital cushion | 75 | 87 (stronger) |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 62 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 83rd | 68th |
| Total assets | $140.3M | $62.4M |
| Deposits / shares | $122.8M | $52.9M |
| Capital ratio | 12.49% | 13.67% (stronger) |
| Problem loans | 0.25% | 0.18% (stronger) |
| Net charge-offs | 0.10% | 0.09% (stronger) |
| Return on assets | 1.05% (stronger) | 0.82% |
| Loans ÷ deposits | 54.6% (stronger) | 88.9% |
| Uninsured deposits | 3.1% (stronger) | 6.4% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 0.0% |
Clinchfield Federal Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Clinchfield Federal Credit Union leads on 4 and Select Seven Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.