Side-by-side · Q2 2026 data
First City Bank vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First City Bank | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 48th | 80th |
| Total assets | $23.0M | $36.9M |
| Deposits / shares | $1.1M | $30.4M |
| Capital ratio | 194.25% (stronger) | 18.25% |
| Problem loans | 0.00% (stronger) | 0.82% |
| Net charge-offs | 0.00% (stronger) | 0.82% |
| Return on assets | -3.05% | 1.09% (stronger) |
| Loans ÷ deposits | 660.4% | 31.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.8% |
| Offices | 1 | 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), First City Bank leads on 4 and Happy Valley Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.