Side-by-side · Q2 2026 data
Community Spirit Bank vs TVA Community Credit Union
Metric by metric
| Measure | Community Spirit Bank | TVA Community Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 75 (stronger) | 63 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 95th |
| Total assets | $228.8M | $429.0M |
| Deposits / shares | $205.7M | $373.4M |
| Capital ratio | 9.73% | 18.38% (stronger) |
| Problem loans | 0.00% (stronger) | 0.32% |
| Net charge-offs | 0.34% | 0.33% (stronger) |
| Return on assets | 1.39% (stronger) | 1.08% |
| Loans ÷ deposits | 72.5% | 46.3% (stronger) |
| Uninsured deposits | 18.0% | 5.1% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
TVA Community Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 2 and TVA Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.