Side-by-side · Q2 2026 data
First National Bank of Tennessee 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 National Bank of Tennessee | Middle Tennessee Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 96 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 97th | 97th |
| Total assets | $1.4B | $71.3M |
| Deposits / shares | $1.2B | $59.3M |
| Capital ratio | 11.55% | 16.80% (stronger) |
| Problem loans | 0.28% (stronger) | 0.40% |
| Net charge-offs | 0.01% (stronger) | 1.15% |
| Return on assets | 2.11% (stronger) | 1.95% |
| Loans ÷ deposits | 58.6% (stronger) | 60.1% |
| Uninsured deposits | 23.1% | 5.2% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middle Tennessee Federal Credit Union has the higher TellerScore (96 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Tennessee leads on 4 and Middle Tennessee Federal Credit Union on 3. 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.