Side-by-side · Q2 2026 data
First National Bank of Tennessee vs Ascend Federal Credit Union
Metric by metric
| Measure | First National Bank of Tennessee | Ascend Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 66 | 96 (stronger) |
| Loan quality | 91 (stronger) | 84 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 91 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 97th | 92nd |
| Total assets | $1.4B | $4.8B |
| Deposits / shares | $1.2B | $3.9B |
| Capital ratio | 11.55% | 14.55% (stronger) |
| Problem loans | 0.28% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 2.11% (stronger) | 1.20% |
| Loans ÷ deposits | 58.6% (stronger) | 90.5% |
| Uninsured deposits | 23.1% | 10.1% (stronger) |
| Offices | 7 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
First National Bank of Tennessee has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Tennessee leads on 5 and Ascend Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.