Side-by-side · Q2 2026 data
Cloverbelt Credit Union vs Athens Area Credit Union
Metric by metric
| Measure | Cloverbelt Credit Union | Athens Area Credit Union |
|---|---|---|
| TellerScore | 76 | 84 (stronger) |
| Capital cushion | 74 | 84 (stronger) |
| Loan quality | 92 (stronger) | 79 |
| Earnings | 53 | 70 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 68th | 75th |
| Total assets | $354.2M | $49.9M |
| Deposits / shares | $308.0M | $42.9M |
| Capital ratio | 12.37% | 13.35% (stronger) |
| Problem loans | 0.24% (stronger) | 0.63% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 0.83% | 1.25% (stronger) |
| Loans ÷ deposits | 91.1% | 40.7% (stronger) |
| Uninsured deposits | 6.7% | 2.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Athens Area Credit Union has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Cloverbelt Credit Union leads on 2 and Athens Area Credit Union on 5. 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.