Side-by-side · Q2 2026 data
Epb Employees Credit Union vs First Choice Community Credit Union
Credit union
Epb Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Credit union
First Choice Community Credit Union
Knoxville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Epb Employees Credit Union | First Choice Community Credit Union |
|---|---|---|
| TellerScore | 48 | 85 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 43 | 72 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 45 | 95 (stronger) |
| Peer percentile | 7th | 77th |
| Total assets | $43.3M | $48.9M |
| Deposits / shares | $38.5M | $40.7M |
| Capital ratio | 11.63% | 16.41% (stronger) |
| Problem loans | 8.72% | 1.02% (stronger) |
| Net charge-offs | 0.31% | 0.25% (stronger) |
| Return on assets | 0.58% | 1.31% (stronger) |
| Loans ÷ deposits | 41.1% (stronger) | 48.6% |
| Uninsured deposits | 0.8% (stronger) | 1.5% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Community Credit Union has the higher TellerScore (85 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Epb Employees Credit Union leads on 2 and First Choice Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.