Side-by-side · Q2 2026 data
Clinchfield Federal Credit Union vs Trust Federal Credit Union
Credit union
Trust Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Clinchfield Federal Credit Union | Trust Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 44 |
| Capital cushion | 75 (stronger) | 67 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 62 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 98 (stronger) | 55 |
| Peer percentile | 83rd | 2nd |
| Total assets | $140.3M | $141.8M |
| Deposits / shares | $122.8M | $123.7M |
| Capital ratio | 12.49% (stronger) | 11.65% |
| Problem loans | 0.25% (stronger) | 3.41% |
| Net charge-offs | 0.10% (stronger) | 0.23% |
| Return on assets | 1.05% (stronger) | 0.36% |
| Loans ÷ deposits | 54.6% (stronger) | 85.8% |
| Uninsured deposits | 3.1% (stronger) | 11.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | 6.9% |
Clinchfield Federal Credit Union has the higher TellerScore (83 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Clinchfield Federal Credit Union leads on 7 and Trust Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.