Side-by-side · Q2 2026 data
Eastman Credit Union vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Eastman Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 86 |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 90 (stronger) | 73 |
| Earnings | 98 (stronger) | 63 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 96th | 80th |
| Total assets | $10.2B | $36.9M |
| Deposits / shares | $8.6B | $30.4M |
| Capital ratio | 14.87% | 18.25% (stronger) |
| Problem loans | 0.31% (stronger) | 0.82% |
| Net charge-offs | 0.38% (stronger) | 0.82% |
| Return on assets | 1.95% (stronger) | 1.09% |
| Loans ÷ deposits | 93.2% | 31.3% (stronger) |
| Uninsured deposits | 12.7% | 2.8% (stronger) |
| Offices | 27 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.9% | — |
Eastman Credit Union has the higher TellerScore (91 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Eastman Credit Union leads on 4 and Happy Valley 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.