Side-by-side · Q2 2026 data
Elizabethton Federal Savings Bank vs Horizon Credit Union
Metric by metric
| Measure | Elizabethton Federal Savings Bank | Horizon Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 66 (stronger) | 48 |
| Funding & liquidity | 66 | 80 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 90th | 54th |
| Total assets | $326.0M | $60.2M |
| Deposits / shares | $187.9M | $53.8M |
| Capital ratio | 42.27% (stronger) | 11.89% |
| Problem loans | 0.25% | 0.11% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.14% (stronger) | 0.69% |
| Loans ÷ deposits | 94.0% | 80.3% (stronger) |
| Uninsured deposits | 8.3% | 2.4% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elizabethton Federal Savings Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Elizabethton Federal Savings Bank leads on 4 and Horizon 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.