Side-by-side · Q2 2026 data
First Freedom Bank vs Middle Tennessee Federal Credit Union
Credit union
Middle Tennessee Federal Credit Union
Cookeville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First Freedom Bank | Middle Tennessee Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 96 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 88th | 97th |
| Total assets | $817.8M | $71.3M |
| Deposits / shares | $710.0M | $59.3M |
| Capital ratio | 12.45% | 16.80% (stronger) |
| Problem loans | 0.01% (stronger) | 0.40% |
| Net charge-offs | 0.13% (stronger) | 1.15% |
| Return on assets | 1.99% (stronger) | 1.95% |
| Loans ÷ deposits | 95.8% | 60.1% (stronger) |
| Uninsured deposits | 25.0% | 5.2% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Middle Tennessee Federal Credit Union has the higher TellerScore (96 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First Freedom Bank leads on 3 and Middle Tennessee Federal Credit Union on 4. 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.