Side-by-side · Q2 2026 data
Farmers State Bank vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 72 | 73 (stronger) |
| Earnings | 51 | 63 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 53rd | 80th |
| Total assets | $232.6M | $36.9M |
| Deposits / shares | $194.3M | $30.4M |
| Capital ratio | 12.63% | 18.25% (stronger) |
| Problem loans | 0.83% | 0.82% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.82% |
| Return on assets | 0.77% | 1.09% (stronger) |
| Loans ÷ deposits | 75.1% | 31.3% (stronger) |
| Uninsured deposits | 9.2% | 2.8% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 1 and Happy Valley Credit Union on 6. 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.