Side-by-side · Q2 2026 data
Excel Federal Credit Union vs Knox County Teachers Federal Credit Union
Credit union
Knox County Teachers Federal Credit Union
Knoxville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Excel Federal Credit Union | Knox County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 67 | 74 (stronger) |
| Funding & liquidity | 61 | 89 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 76th | 94th |
| Total assets | $174.0M | $34.4M |
| Deposits / shares | $113.8M | $28.9M |
| Capital ratio | 13.60% | 15.47% (stronger) |
| Problem loans | 0.50% | 0.01% (stronger) |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.16% | 1.34% (stronger) |
| Loans ÷ deposits | 99.2% | 70.8% (stronger) |
| Uninsured deposits | 4.2% | 2.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Knox County Teachers Federal Credit Union has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Excel Federal Credit Union leads on 0 and Knox County Teachers Federal Credit Union on 7. 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.