Side-by-side · Q2 2026 data
Elizabethton Federal Savings Bank vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Elizabethton Federal Savings Bank | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 86 | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 73 |
| Earnings | 66 (stronger) | 63 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 90th | 80th |
| Total assets | $326.0M | $36.9M |
| Deposits / shares | $187.9M | $30.4M |
| Capital ratio | 42.27% (stronger) | 18.25% |
| Problem loans | 0.25% (stronger) | 0.82% |
| Net charge-offs | 0.00% (stronger) | 0.82% |
| Return on assets | 1.14% (stronger) | 1.09% |
| Loans ÷ deposits | 94.0% | 31.3% (stronger) |
| Uninsured deposits | 8.3% | 2.8% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Elizabethton Federal Savings Bank leads on 4 and Happy Valley Credit Union on 2. 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.